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How to read the money
Income and expense are whole-filing amounts associated with this lobbyist, not personal compensation or an allocated share.
No topic inference: each bill number appears in source LDA issue text assigned to this lobbyist.
Tax Reform Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit union tax exmeption; retention of the credit union tax exemption in any tax reform efforts; Tax Reform Act of 2014 (H.R. 1).
Consumer Mortgage Choice Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Specific issues are shown only where the LDA source assigned them to this lobbyist. Targets apply to the associated filing.
Credit union tax exmeption; retention of the credit union tax exemption in any tax reform efforts; Tax Reform Act of 2014 (H.R. 1).
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Source: Senate LDA
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Consumer Mortgage Choice Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Consumer Mortgage Choice Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Consumer Mortgage Choice Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Consumer Mortgage Choice Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Consumer Mortgage Choice Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Fairness for Military Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Fairness for Military Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Fairness for Military Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Fairness for Military Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Financial Institutions Examination Fairness and Reform Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Financial Institutions Examination Fairness and Reform Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Financial Institutions Examination Fairness and Reform Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Financial Institutions Examination Fairness and Reform Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Financial Institutions Examination Fairness and Reform Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Financial Institutions Examination Fairness and Reform Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Financial Institutions Examination Fairness and Reform Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Financial Institutions Examination Fairness and Reform Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Military Family Home Protection Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Military Family Home Protection Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Military Family Home Protection Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Military Family Home Protection Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Regulatory Relief for Credit Unions Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Regulatory Relief for Credit Unions Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Regulatory Relief for Credit Unions Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Regulatory Relief for Credit Unions Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Patent Litigation and Innovation Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Patent Litigation and Innovation Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Patent Litigation and Innovation Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Patent Litigation and Innovation Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Helping Expand Lending Practices in Rural Communities Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Helping Expand Lending Practices in Rural Communities Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Helping Expand Lending Practices in Rural Communities Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Helping Expand Lending Practices in Rural Communities Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Portfolio Lending and Mortgage Access Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Portfolio Lending and Mortgage Access Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Protecting American Taxpayers and Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Protecting American Taxpayers and Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Protecting American Taxpayers and Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Protecting American Taxpayers and Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Protecting American Taxpayers and Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Protecting American Taxpayers and Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Protecting American Taxpayers and Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Protecting American Taxpayers and Homeowners Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Consumer Financial Freedom and Washington Accountability Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Consumer Financial Freedom and Washington Accountability Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Consumer Financial Freedom and Washington Accountability Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Consumer Financial Freedom and Washington Accountability Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Mortgage Choice Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Mortgage Choice Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Mortgage Choice Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Mortgage Choice Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Mortgage Choice Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Mortgage Choice Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Mortgage Choice Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Mortgage Choice Act of 2013
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Regulation D Study Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Regulation D Study Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Regulation D Study Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Regulation D Study Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
American Savings Promotion Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
American Savings Promotion Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
American Savings Promotion Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
American Savings Promotion Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Credit Union Share Insurance Fund Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Credit Union Share Insurance Fund Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Credit Union Share Insurance Fund Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Credit Union Share Insurance Fund Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Credit Union Residential Loan Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Credit Union Residential Loan Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Credit Union Residential Loan Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Credit Union Residential Loan Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Credit Union Residential Loan Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Credit Union Residential Loan Parity Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Bureau Advisory Commission Transparency Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Bureau Advisory Commission Transparency Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
FSOC Transparency and Accountability Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
FSOC Transparency and Accountability Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Financial Regulatory Clarity Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Financial Regulatory Clarity Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Community Institution Mortgage Relief Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Community Institution Mortgage Relief Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Bureau Research Transparency Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Bureau Research Transparency Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
SAFE Act Confidentiality and Privilege Enhancement Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
SAFE Act Confidentiality and Privilege Enhancement Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
SAFE Act Confidentiality and Privilege Enhancement Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
SAFE Act Confidentiality and Privilege Enhancement Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Bureau Examination Fairness Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Bureau Examination Fairness Act
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
SCRUB Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
SCRUB Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
End Operation Choke Point Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
End Operation Choke Point Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
End Operation Choke Point Act of 2014
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.
Filing targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office
Retention of the credit union tax exemption; Tax Extenders; Tax Reform Acot of 2014 discussion draft.
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).
Filing targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).
Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders.
Filing targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief.
Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).
Filing targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office
Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; The credit union tax exemption; The federal debt limit; Continued credit union operations during the government shutdown; National Flood Insurance Program (NFIP); Delaying NFIP premium increases; The Consumer Financial Protection Bureaus (CFPB) Ability to Repay/ Qualified Mortgage (QM) rule and how points and fees are calculated; Delay of the CFPB mortgage related rules; Mortgage Choice Act of 2013 (H.R. 3211);Mortgage Choice Act of 2013 (S.1577); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949);Exempting mortgage loans held in portfolio from the QM definition; Ensuring the 40-year loan product can be considered a QM; Revising the aspects of the ability to repay rule that dictates a consumer have a total debt-to-income ratio that is less than or equal to 43%; House-Senate Budget Conference Committee on the Budget Resolution; Annual privacy notices financial institutions must provide consumers with; Privacy Notice Modernization Act (S. 635); Eliminate Privacy Notice Confusion Act (H.R. 749); Patent reform; Innovation Act (H.R. 3309); Patent Transparency and Improvements Act of 2013 (S.1720); Patent Quality Improvement Act of 2013 (S. 866); Patent Litigation Integrity Act of 2013 (S.1612); Credit union share insurance coverage of Interest on Lawyers Trust Accounts; Credit Union Share Insurance Fund Parity Act (H.R. 3468); To enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. (H.R. 3329); CLEAR Relief Act (H.R. 1750); Structural changes to the CFPB; Changing the single CFPB director to a board of directors; Responsible Consumer Financial Protection Regulations Act of 2013 (H.R. 2446); Consumer Financial Protection Safety and Soundness Improvement Act of 2013 (HR. 3193); Giving the Dodd-Frank created Financial Stability Oversight Council additional power to veto CFPB rules; Subjecting the CFPB to the Congressional appropriations process; Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 (H.R. 3519); CFPB data collection efforts; Regulatory relief proposals for community-based financial service providers; Legislation to help ensure conflicting, inconsistent, and duplicative laws and regulations are addressed by Congress and regulators; Ensuring rural designations for the purposes of some Qualified Mortgage categories are made fairly at the CFPB; CFPB Rural Designation Petition and Correction Act (H.R. 2672); Data security standards; Cyber Security standards; Holding retailers accountable for handling sensitive personal financial data; Credit union member business lending; Updating the definition of a member business loan for credit unions; Exempting certain classes of loans the member business loan definition; Restore Main Street's Credit Act of 2012 (H.R. 4293);Credit Union Small Business Lending Act (H.R. 4191);Credit Union Small Business Jobs Creation Act of 2013 (H.R. 688);Supplement capital access for credit unions; Capital Access for Small Businesses and Jobs Act of 2013 (H.R. 719); Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; Allowing NCUA to grant a waiver to follow a state rule instead of a federal one in certain situations; Allowing the National Credit Union Administration (NCUA) to modify or delay implementation of a CFPB rule impacting credit unions; More robust cost-benefit analysis at the CFPB and NCUA; Establishing a risk-based capital system for credit unions; NCUA study on prompt corrective action; Require NCUA to conduct a study of the Central Liquidity Facility; Give credit unions better control over their investment decisions and portfolio risk; NCUA report on outdated corporate governance provisions in the Federal Credit Union Act; Clarification that all credit unions, regardless of charter type, should be allowed to add underserved areas to their field of memberships; Allowing NCUA to grant longer maturities for certain types of loans; Credit union access to the government sponsored enterprises; Credit union access to the secondary mortgage market; Fair pricing for credit union loans in the secondary mortgage market; Housing finance reform; An explicit government guarantee on mortgage backed securities; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Reforms to the Federal Home Loan Bank system; CFPB clarification on what constitutes good faith compliance efforts with the mortgage rules taking effect in January of 2014; Remittance transfer regulations; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Indexing for inflation some monetary thresholds in the Dodd-Frank Act; Changes to the E-SIGN law [P.L. 106-229]; Changes with respect to CFPB document access; Changes to appraiser independence standards; Changes to the SAFE Act definition of Loan Originator; Credit union parity for SEC broker-dealer exemption; Small Business Administration (SBA) lending programs utilized by credit unions; SBA Express and Patriot Express loans; SBA 7(a) lender requirements; SBA 504 lending; Effects of the Credit Card Accountability Responsibility Act (CARD Act); NCUAs FY 2014 budget; NCUAs reinstatement of an information collection requirement required by the Truth in Savings Act (TISA);NCUAs proposed rule regarding charitable donation accounts; Multi-agency notice of proposed rulemaking regarding loans in areas having special flood hazards; NCUA exams related to various mortgage-related regulations issued by the CFPB; The Federal Reserve Boards Proposed 2013 Regulation II Debit Card Issuer Survey and Payment Card Network Survey; The Financial Accounting Standards Boards (FASB) exposure draft proposing to eliminate certain financial reporting requirements for development stage entities; Federal Reserve Banks Public Consultation Paper proposing and seeking input on the Federal Reserve Banks role in implementing improvements to the speed, efficiency, and security of the U.S. payment system; Credit union mortgage lending; Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) disclosure integration; Federal Housing Finance Agency increasing Fannie Mae and Freddie Mac guarantee fees and implementing changes to loan-level price adjustments for certain loans; Multi-agency proposed rule regarding credit risk retention; Multi-agency proposed rule regarding qualified residential mortgages; Department of Housing and Urban Developments (HUD) proposed rule to define qualified mortgage for purposes of mortgages insured or guaranteed by HUD or the Federal Housing Administration;CFPBs interim final rule on changes to Regulation Z, Regulation X and the agencys final rules issued throughout 2013 related to mortgages; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (HR 821); Fairness for Military Homeowners Act of 2013 (HR 1223); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S.1197); National Defense Authorization Act for Fiscal Year 2014 (H.R. 3304); Military Savings Act of 2013 (S. 1741); Updates and modernization of the NCUAs fixed assets rule; Changes to the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts; Added flexibility for credit unions that offer member business loans; Update requirements for credit unions to disclose account numbers to protect the privacy of members; Update advertising requirements for credit union loan products and share accounts; Modernize NCUA advertising requirements; Update and simplify regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request.
The credit union tax exemption; corporate tax reform; tax reform efforts in conjunction with raising the federal debt limit; sequestration; House Ways and Means, and Senate Finance working groups on tax reform.
Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; The credit union tax exemption; The federal debt limit; Continued credit union operations during the government shutdown; National Flood Insurance Program (NFIP); Delaying NFIP premium increases; The Consumer Financial Protection Bureaus (CFPB) Ability to Repay/ Qualified Mortgage (QM) rule and how points and fees are calculated; Delay of the CFPB mortgage related rules; Mortgage Choice Act of 2013 (H.R. 3211);Mortgage Choice Act of 2013 (S.1577); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949);Exempting mortgage loans held in portfolio from the QM definition; Ensuring the 40-year loan product can be considered a QM; Revising the aspects of the ability to repay rule that dictates a consumer have a total debt-to-income ratio that is less than or equal to 43%; House-Senate Budget Conference Committee on the Budget Resolution; Annual privacy notices financial institutions must provide consumers with; Privacy Notice Modernization Act (S. 635); Eliminate Privacy Notice Confusion Act (H.R. 749); Patent reform; Innovation Act (H.R. 3309); Patent Transparency and Improvements Act of 2013 (S.1720); Patent Quality Improvement Act of 2013 (S. 866); Patent Litigation Integrity Act of 2013 (S.1612); Credit union share insurance coverage of Interest on Lawyers Trust Accounts; Credit Union Share Insurance Fund Parity Act (H.R. 3468); To enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. (H.R. 3329); CLEAR Relief Act (H.R. 1750); Structural changes to the CFPB; Changing the single CFPB director to a board of directors; Responsible Consumer Financial Protection Regulations Act of 2013 (H.R. 2446); Consumer Financial Protection Safety and Soundness Improvement Act of 2013 (HR. 3193); Giving the Dodd-Frank created Financial Stability Oversight Council additional power to veto CFPB rules; Subjecting the CFPB to the Congressional appropriations process; Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 (H.R. 3519); CFPB data collection efforts; Regulatory relief proposals for community-based financial service providers; Legislation to help ensure conflicting, inconsistent, and duplicative laws and regulations are addressed by Congress and regulators; Ensuring rural designations for the purposes of some Qualified Mortgage categories are made fairly at the CFPB; CFPB Rural Designation Petition and Correction Act (H.R. 2672); Data security standards; Cyber Security standards; Holding retailers accountable for handling sensitive personal financial data; Credit union member business lending; Updating the definition of a member business loan for credit unions; Exempting certain classes of loans the member business loan definition; Restore Main Street's Credit Act of 2012 (H.R. 4293);Credit Union Small Business Lending Act (H.R. 4191);Credit Union Small Business Jobs Creation Act of 2013 (H.R. 688);Supplement capital access for credit unions; Capital Access for Small Businesses and Jobs Act of 2013 (H.R. 719); Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; Allowing NCUA to grant a waiver to follow a state rule instead of a federal one in certain situations; Allowing the National Credit Union Administration (NCUA) to modify or delay implementation of a CFPB rule impacting credit unions; More robust cost-benefit analysis at the CFPB and NCUA; Establishing a risk-based capital system for credit unions; NCUA study on prompt corrective action; Require NCUA to conduct a study of the Central Liquidity Facility; Give credit unions better control over their investment decisions and portfolio risk; NCUA report on outdated corporate governance provisions in the Federal Credit Union Act; Clarification that all credit unions, regardless of charter type, should be allowed to add underserved areas to their field of memberships; Allowing NCUA to grant longer maturities for certain types of loans; Credit union access to the government sponsored enterprises; Credit union access to the secondary mortgage market; Fair pricing for credit union loans in the secondary mortgage market; Housing finance reform; An explicit government guarantee on mortgage backed securities; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Reforms to the Federal Home Loan Bank system; CFPB clarification on what constitutes good faith compliance efforts with the mortgage rules taking effect in January of 2014; Remittance transfer regulations; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Indexing for inflation some monetary thresholds in the Dodd-Frank Act; Changes to the E-SIGN law [P.L. 106-229]; Changes with respect to CFPB document access; Changes to appraiser independence standards; Changes to the SAFE Act definition of Loan Originator; Credit union parity for SEC broker-dealer exemption; Small Business Administration (SBA) lending programs utilized by credit unions; SBA Express and Patriot Express loans; SBA 7(a) lender requirements; SBA 504 lending; Effects of the Credit Card Accountability Responsibility Act (CARD Act); NCUAs FY 2014 budget; NCUAs reinstatement of an information collection requirement required by the Truth in Savings Act (TISA);NCUAs proposed rule regarding charitable donation accounts; Multi-agency notice of proposed rulemaking regarding loans in areas having special flood hazards; NCUA exams related to various mortgage-related regulations issued by the CFPB; The Federal Reserve Boards Proposed 2013 Regulation II Debit Card Issuer Survey and Payment Card Network Survey; The Financial Accounting Standards Boards (FASB) exposure draft proposing to eliminate certain financial reporting requirements for development stage entities; Federal Reserve Banks Public Consultation Paper proposing and seeking input on the Federal Reserve Banks role in implementing improvements to the speed, efficiency, and security of the U.S. payment system; Credit union mortgage lending; Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) disclosure integration; Federal Housing Finance Agency increasing Fannie Mae and Freddie Mac guarantee fees and implementing changes to loan-level price adjustments for certain loans; Multi-agency proposed rule regarding credit risk retention; Multi-agency proposed rule regarding qualified residential mortgages; Department of Housing and Urban Developments (HUD) proposed rule to define qualified mortgage for purposes of mortgages insured or guaranteed by HUD or the Federal Housing Administration;CFPBs interim final rule on changes to Regulation Z, Regulation X and the agencys final rules issued throughout 2013 related to mortgages; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (HR 821); Fairness for Military Homeowners Act of 2013 (HR 1223); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S.1197); National Defense Authorization Act for Fiscal Year 2014 (H.R. 3304); Military Savings Act of 2013 (S. 1741); Updates and modernization of the NCUAs fixed assets rule; Changes to the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts; Added flexibility for credit unions that offer member business loans; Update requirements for credit unions to disclose account numbers to protect the privacy of members; Update advertising requirements for credit union loan products and share accounts; Modernize NCUA advertising requirements; Update and simplify regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request.
Filing targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office