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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.
To amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan.
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Specific issues are shown only where the LDA source assigned them to this lobbyist. Targets apply to the associated filing.
credit union tax exemption; retention of the credit union tax exemption in any reform efforts; Senate Finance tax reform working groups.
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Source: Senate LDA
To amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan.
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
To amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan.
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
To amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan.
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
SCRUB Act of 2016
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
SCRUB Act of 2016
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
NCUA Budget 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)
National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
NCUA Budget 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
NCUA Budget 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
NCUA Budget 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)
National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Credit Union Small Business Jobs Creation 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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Credit Union Small Business Jobs Creation 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Credit Union Small Business Jobs Creation 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Credit Union Small Business Jobs Creation 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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Bureau of Consumer Financial Protection Advisory Boards 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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Bureau of Consumer Financial Protection Advisory Boards 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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
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)
National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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)
National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
CLEARR Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
CLEARR Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
CLEARR Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
CLEARR Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Bureau of Consumer Financial Protection Accountability Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Bureau of Consumer Financial Protection Accountability Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Consumer Financial Protection Safety and Soundness Improvement Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Consumer Financial Protection Safety and Soundness Improvement Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
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)
National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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)
National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Financial Product Safety Commission Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Financial Product Safety Commission Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Financial Product Safety Commission Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Financial Product Safety Commission Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Mortgage Servicing Asset Capital Requirements Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Mortgage Servicing Asset Capital Requirements Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Community Institution Mortgage Relief Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Community Institution Mortgage Relief Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
National Defense Authorization Act for Fiscal Year 2016
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
National Defense Authorization Act for Fiscal Year 2016
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
National Defense Authorization Act for Fiscal Year 2016
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
National Defense Authorization Act for Fiscal Year 2016
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Data Security and Breach Notification Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Data Security and Breach Notification Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Regulatory Accountability Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Regulatory Accountability Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Data Security Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Data Security Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes.
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes.
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
National Credit Union Administration Budget 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
National Credit Union Administration Budget 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Veterans Entrepreneurship Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Veterans Entrepreneurship Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Risk-Based Capital Study Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Risk-Based Capital Study Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Small Business Regulatory Flexibility Improvements Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Small Business Regulatory Flexibility Improvements Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Eliminate Privacy Notice Confusion 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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Eliminate Privacy Notice Confusion 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Eliminate Privacy Notice Confusion 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Eliminate Privacy Notice Confusion 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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Preserving Access to Manufactured Housing Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Preserving Access to Manufactured Housing Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Preserving Access to Manufactured Housing Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Preserving Access to Manufactured Housing Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Mortgage Choice Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Mortgage Choice Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Mortgage Choice Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Mortgage Choice Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Financial Institution Customer Protection Act of 2016
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Financial Institution Customer Protection Act of 2016
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Financial Institution Customer Protection Act of 2016
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Financial Institution Customer Protection Act of 2016
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Innovation 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Innovation 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Capital Access for Small Businesses and Jobs 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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Capital Access for Small Businesses and Jobs 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Capital Access for Small Businesses and Jobs 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Capital Access for Small Businesses and Jobs 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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
PATENT 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
PATENT 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)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Financial Regulatory Improvement Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Financial Regulatory Improvement Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Privacy Notice Modernization Act of 2015
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 Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
Privacy Notice Modernization Act of 2015
Client: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS · Firm: NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).
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
National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).
credit union tax exemption; retention of the credit union tax exemption in any reform efforts; Senate Finance tax reform working groups.
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