MARY WALLACE

Discussed potential DOL and SEC fiduciary duty rules. (no bill) Discussed industry user fees as a method to fund the periodic examination of registered investment advisors. (no bill) Lobbied in favor of the DOL moving forward with a rulemaking to eliminate conflicts of interest in financial advice provided to individulas saving for their retirment in an ERISA plan. (no bill) Lobbied in favor of the Administration supporting state-based retirement savings solutions. (no bill) Sent letter to Members of Congress on the Social Security rules change in the House Budget Resolution. (no bill) Sent letters to House Ways and Means and Senate Budget committees on SSDI reallocation. (no bill) Met with Senate staff on Social Security, SSDI and retirement security issues, multiemployer pension issues, fiduciary duty issues and retirement fees. S. 245, Automatic IRA Act of 2015 - Met with Senate staff on the Automatic IRA Act of 2015. Met with House staff on SSDI and SSDI related budget issues, multiemployer pensions, and retirement issues. (no bill) Met with Treasury Department staff on MyRA. (no bill) Met with PBGC staff on multiemployer pensions and other retirement plan issues. (no bill) Met with Treasury, DOL, and PBGC staff on multiemployer pensions. (no bill) Discussed state retirement issues with DOL and White House staff. (no bill) Met with SSA staff about Social Security Administration issues. (no bill) Met with PBGC Participant Advocate about retirement issues. (no bill) S.Con.Res.11/H.Con.Res.27, Budget Resolution, FY2016 - Lobbied to prevent inclusion of any Social Security, Medicare and Medicaid cuts. Lobbied to enhance SSA program integrity funding without compromising SSA service delivery for all earned benefits. (no bill) Discussed measures to increase pension coverage and improve retirement savings. (no bill) H.R. 5306, Discussed Social Security 2100 Act. Discussed DOL Conflict of Interest rule with Dep't of Treasury staff. Met with Treasury, OIRA and OMB in support of DOL Conflict of Interest proposal (no bill). Sent letters to DOL, Members of Congress and House Education and Workforce Commmittee in support of DOL Conflict of Interest proposal. Briefed staff for the Senate Financial Serivces Committee and the House Financial Services, Education and Workforce Committee on DOL Conflict of Interest rulemaking.

Sent comment letter to CFPB on proposed Language Access Plan, Docket CFPB-2014-22 Sent comment letter to CFPB on Amendments to Mortgage Rules, Docket CFPB-2014-33 Sent comment letter to CFPB on Electronic Funds Trnasfer (Regulation E) relating to prepaid cards, Docket CFPB-2014-31. S.Con.Res.11, Budget Resolution, FY 2016 - Lobbied to protect funding for SEC, CFIC and CFPB consumer protection programs.

Sent comment letter to CFPB on proposed Language Access Plan, Docket CFPB-2014-22 Sent comment letter to CFPB on Amendments to Mortgage Rules, Docket CFPB-2014-33 Sent comment letter to CFPB on Electronic Funds Trnasfer (Regulation E) relating to prepaid cards, Docket CFPB-2014-31. S.Con.Res.11, Budget Resolution, FY 2016 - Lobbied to protect funding for SEC, CFIC and CFPB consumer protection programs.

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Responded to requests for comment with regard to Payday Lending, Mandatory Arbitration, "Larger Participants" (non-bank), and Bank Overdraft Fees.Lobbied against H.R. 3035 the "Mobile Informational Call Act" of 2011. Responded to Consumer Financial Protection Bureau request for comment on "Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination. Submitted comments to the CFPB on effective financial education, Docket No. CFPB 2012-0030. Letter from AARP and Americans Act for Financial Reform (AFR) to the House urging opposition to a package of bills that would weaken CFPB's structure and funding mechanism. S. 878/H.R. 1844, Arbitration Fairness Act - AARP went on record in support of the bills. H.R. 83, Consolidated and Further Continuing Appropriations, 2015 - Lobbied to protect funding levels for SEC, CFIC and CFPB, enforcement of consumer portection laws and agencies. H.R. 3193, Consumer Financial Freedom and Washington Accountability Act - Letter in opposition to bill to weaken the CFPB. Sent letter to CFPB to correct abusive debt collection practices, Docket 2013-0033, RIN 3170-AA41. H.R. 4436, Discussed Investing in Student Success Act. Discussed Fraud Watch Network. (no bill) Briefed House Financial Services staff on detrimental effects of mandatory pre-dispute arbitration clauses in contracts. (no bill) Briefed Senate financial services staff on bank fraud and the objectives of the Department of Justice's Operation Choke Point. (no bill) CFPB-2014-007-Responded to CFPB debt collection survey proposal. CFPB-2013-0033/RIN 3170-AA41 - Responded to CFPB AAPR on debt collection. CFPB-2014-0012-Responded to CFPB RFI on Mobil Financial Services. CFPB-2014-0016-Responded to CFPB request for comment on Disclosure of Consumer Complaint Narrative Data. H.J. Res. 124, Continuing Appropriations Resolution, 2015 - Lobbied to protect funding for SEC, CFIC and CFPB consumer protection programs.

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Discussed Banking Committee issues including SEC Fiduciary rulemaking, JOBS Act implementation and Dodd-Frank implementation. (no bill) H.R. 83, Consolidated and Further Continuing Appropriations, 2015 - Lobbied to protect Census funding and consumer protection programs with jurisdiction of subcommittee. Lobbied to protect consumer protection programs and implementation of ACA health insurance exchanges. (no bill) H.R. 1062, Letter written in opposition to the SEC Regulatory Accountability Act. Sent letter to the SEC urging it to propose rulemaking on Fiduciary Duty. (no bill) H.R. 2374, Letter written in opposition to the Retail Investor Protection Act. H.R. 1953, Expressed support for the Senior Fraud Prevention Act (FTC). S. 1358, Seniors Fraud Prevention Act - Letter written in support of this bill. S. 807, Plain Writing Act for Regulations - Letter written in support of this bill. Comment letter to the SEC on amendments to Reg. D, Form D, and rule 156 under the SEC Act, to implement JOBS Act provisions. Letter to Senate urging members not to sign a letter to OMB that would elay or prevent rulemaking by SEC and DOL on fiduciary duty. Recommendations to SEC in response to RFI regarding duties of broker/dealers and investment advisors. Met with SEC Commissioners to discuss the need to move forward with a fiduciary duty proposal. H.R. 1627 - Letter to House members urging co-sponsorship of this bill to provide user fees for regular examinations of registered investment advisors. Expressed opposition to a letter sent to the OMB by ten Senators urging that any DOL fiduciary duty rule be delayed with 60 days after completion of a related SEC proposal. Discussed methods for expediting DOL upgrade of Fiduciary duty definition under ERISA with agency staff. Met with Administration staff to discuss issuance of SEC and DOL fiduciary duty rules. Met with Senate Banking Committee staff to encourage support for SEC and DOL fiduciary duty rules. H.R. 1627, Investment Advisor Examination Improvement Act of 2013 - Letter to House in support (user fees to fund investment advisors). Met with EBSA on proposed regulatory agenda affecting financial institutions and retirement security. (no bill) Discussed bill to enhance law enforcement cooperation on Social Security number theft. (no bill) Discussed bill to require more effective disclosure on retail bond sales. (no bill) Sent letter to SEC demonstrating the harm from maintaining the suitability standard as opposed to imposing a fiduciary duty on broker/dealers to investors. (no bill) Discussed the need for SEC and DOL fiduciary duty and user fees to fund the examination of registered investment advisors. (no bill) Briefed House Financial Services staff on detrimental effects of mandatory pre-dispute arbitration clauses in contracts. (no bill) Briefed Senate financial services staff on bank fraud and the objectives of the Department of Justice's Operation Choke Point. (no bill) H.R. 1627 - Discussed fiduciary duty and user fees to fund the examination of Investment Advisors with SEC Office of the Investor Advocate. Letter to Congress and White House staff on the need to update the definition of "fiduciary" under ERISA. (no bill)

H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.H.R. 83, Consolidated and Further Continuing Appropriation, 2015 - Lobbied to protect funding for consumer protection, Census programs, ACA implementation/subsidy, USDA nutrition, FDA drug processing, employment, health and human services, home energy assistance programs for seniors, disabled and low income Americans. Discussed the impact of Deficit reduction proposals and sequestration on Medicare, Medicaid, Social Security and on vital health, social, housing and transportation programs. (no bill) Discussed S. 1351, the INFORM Act. Sent letter to Congress to urge that the House and Senate take steps to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Sent letter to President Obama to urge that he take steps with Congress to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Sent letter to Budget Conference Committee chairs urging they reject harmful cuts to Social Security and Medicare benefits for the purpose of achieving deficit reduction or as a tradeoff for scheduled sequestration cuts or other government spending. (no bill) Lobbied to prevent the inclusion of Social Security, Medicare and Medicaid cuts for the purpose of achieving deficit reduction, a budget agreement, or as a tradeoff for scheduled sequestration cuts or other government spending. Met with Administration officials regarding Social Security and the FY 2015 and FY 2016 budget. H.J.Res. 124 - Lobbied to protect funding levels for various programs serving seniors from disproportionate reduction under continuing resolution. Discussed Medicare, Medicaid, Older Americans Act and other items regarding FY 2016 federal budget proposals.

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.Lobbied on expected "QM" safe harbor amendment. (The amendment was not offered) H.R. 83, Consolidated and Further Continuing Appropriation, 2015 - Lobbied for senior housing and transportation programs, and related community development aid. Discussed proposals to reform GSE's (Fannie Mae, Freddie Mac). (no bill) Submitted comments to HUD on Affirmatively Furthering Fair Housing. (no bill) S. 1217 - Discussed housing finance reform with Senate Banking Committee members and staff. 78 Federal Regulation #183, Credit Risk Retention Proposal - Filed comments with OCC, FED Res., FDIC, SEC, FHFA, and HUD in support of combining "ability to pay" (QM) with "Risk Retention" (QRM). 78 Federal Reg. #177, HECM Reform Proposal - Filed comments expressing concern over the proposed financial assessment for reverse mortgage eligibility. Met with Senate Banking Committee staff on GSE Reform. Discussed needed improvements to HECM program with HUD. Letter sent to Senate Banking Committee on AARP policy objectives in GSE Reform, commenting on S. 1217. Discussed needed reforms in the HECM program regarding notification of heirs after the death of the borrower. (no bill) H.J. Res. 124, Continuing Appropriation Resolution, 2015 - Lobbied to protect various housing programs serving seniors from disapproportionate reduction under Continuing Resolution. Referred housing inquiry to appropriate colleague. (no bill)

Discussed increasing senior representation in CDC studies and supported public participation in samples.Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs and, Low Income Home Energy Assistance. Discussed Social Security Administration's Representative Payee program's current and future challenges. (no bill) Discussed implementation of Windsor decision at the Social Security Administration with Congressional staff. H.R. 3695 - To provide a temporary extension of the Food, Conservation, and Energy Act of 2008 and amendments made by that Act, as previously extended and amended and with certain additional modifications and exceptions, to suspend permanent price support authorities, and for other purposes. H.R. 2642 - Oppose farm bill that authorizes only farm programs for five years and severs nutrition programs. S. 954, Agriculture Reform, Food, and Jobs Act of 2013 - Support Senate Authorization of Farm Bill despite concerns about SNAP cuts. H.R. 3102, Nutrition Reform and Work Opportunity Act of 2013 - Oppose House Nutrition only bill to reauthorize USDA nutrition programs for only three years with cuts and apart from the Farm Bill. Discussed events related to the government shut down.

Discussed demographics and priorities for AARP members and the 50+ population in general. (no bill) Discussed with lawmakers & the Administration to keep Social Security separate from all budget negotiations/deficit reduction measures and opposed proposals for a "Chained CPI"Discussed the Department of Labor's intent to propose new fiduciary duty regulation with Congressional staff. Discussed possible proposals to improve pension rights for participants and reform proposals to improve pension coverage and adequacy. ( no bill) Briefed Congress on AARP's "You've Earned A Say"- A national conversation on the future of Social Security and Medicare with AARP members and all Americans. Lobbied against cuts to Social Security benefits via the adoption of chained CPI to calculate annual cost of living adjustments for Social Security and Veterans benefits, among others. (no bill) S.500, the Keeping Our Social Security Promise Act - Discussed legislation to apply payroll taxes to employment and self-employment taxes to remuneration up to the contribution and benefit base and to remuneration in excess of $250,000. S. 308, the Protecting and Preserving Social Security Act - Discussed legislation to implement the CPI-E for annual Social Security COLA's and to eliminate the cap on maximum taxable wages under Social Security. S.567, the Strengthening Social Security Act - Discussed legislation to implement the CPI-E for annual Social Security COLA's and to eliminate the cap on maximum taxable wages under Social Security. Discussed current and future challenges of Social Security's Representative Payee program. (no bill) Discussed pending DOL regulations of summary documents for 401(k) fee disclosure. (no bill) ERISA fiduciary protections to safeguard the savings of worker investments in retirement accounts. H. R. 1601, the SSI Restoration Act - Signed on to Leadership Council of Aging Organization's (LCAO) endorsement letter on legislation to update aspects of the Supplemental Security Income Program. Lobbied to prevent the inclusion of Social Security, Medicare and Medicaid benefit cuts in any package pertaining to the continuing resolution or the debt ceiling. Discussed retirement bills in draft with multiple staffers. (no bill) Discussed legislation to improve SSA administrative services. (no bill) Discussed proposals to protect multi-employer pensions. (no bill) Letter to Congress and White House staff on the need to update definition of "fiduciary" under ERISA. (no bill) Discussed spousal pension protections. (no bill)H.R. 2229, the Safeguarding Social Security Numbers Act of 2013 - Discussed legislation with Hill staff to establish a universal standard for the truncation of Social Security Numbers to prevent identity theft and fraud. H.R. 2171/S. 1145, the Lifetime Income Disclosure Act - Support for bipartisan legislation to express on annual 401(k) benefit statements the approximate annuity value of the lump sum value of the account. Discussed potential AARP comments to the Department of Labor's Employee Benefits Security Administration's Announcement of Proposed Rulemaking on lifetime income illustrations given to participants in defined contribution pension plans, such as 401(k) and 403(b) plans. (no bill) Discussed with officials from DOL Employee Benefits Security Administration the planned re-proposal of regulations to update the definition of a fiduciary for ERISA covered pension plans. (no bill) H.R. 2374, the Retail Investor Protection Act - Expressed opposition to H.R. 2374 to delay the DOL's planned re-proposal of regulations to update the definition of a fiduciary for ERISA covered pension plans until 60 days after the potential release of similar regulations by the Securities and Exchange Commission. H.R. 2154, the CPI for Seniors Act of 2013 - Discussed legislation to implement a Consumer Price Index for Seniors for calculating annual Social Security cost of living adjustments. Lobbied to prevent inclusion of Medicare, Medicaid, and Social Security benefit cuts and protect vital health, social services, housing and transportation programs in any Deficit Reduction proposals and from enhanced redutions under sequestration. (no bill) H.R. 2374, Labor, HHS and Related Agencies Appropriations bill 2015 - Letter and lobbying in opposition to this bill that would delay or prevent a DOL proposed rulemaking on Fiduciary Duty. Conducted briefings in both House and Senate. Met with DOL officials to urge reissuance of a proposed rule to update fiduciary duty as it applies to ERISA. (no bill) Sent letter to Congress to urge the House and Senate to take steps to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Sent letter to White House to urging the President to take steps with Congress to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Lobbied to prevent the inclusion of Social Security, Medicare and Medicaid cuts for the purpose of achieving deficit reduction, a budget agreement, or as a tradeoff for scheduled sequestration cuts or other government spending. (no bill) Submitted testimony to Finance Committee for hearing on December 18th on Social Security. Discussed draft Social Security legislation with several Congressional staffers. (no bill) S. 1979, the USA Retirement Funds Act - Lobbied for additional protections to ensure older workers and retirees pension benefits are fully protected. S. 1970, the Retirement Security Act - Lobbied for additional protections for lower income and other workers to ensure that promised benefits are equitably provided. S. 2089, the SSI Restoration Act - AARP considered the need to update and index SSI benefits for inflation. S. 1270, Retirement Security Act - Sent letter of support. Met with Department of Treasury on pending retirement initiatives. Met with NEC staff on retirement issues. Met with DOL on retirement issues. Met with Administration staff to discuss issuance of proposed rules on Fiduciary duty. Multi-employer Pension Reform - Discussed concerns regarding reform proposals that cut retiree benefits; met with PBGC. (no bill) Letter to SEC demonstrating the harm from maintaining the suitability standard as opposed to imposing a fiduciary duty on broker/dealers to investors. (no bill) Discussed the need for fiduciary duty and user fees to fund the examination of registered investment advisors. (no bill) Letter to SEC in support of efforts to improve marketing and advertising of target date funds.Sent letter to the Chair and Ranking Member of the Senate Finance Committee in support of rebalancing funding to ensure timely payment of SSDI benefits. S. 2742, Social Security Access Act of 2014 - Sent a letter of support. H.R. 5260, Stop Disability Fraud Act of 2014 - Discussed SSDI legislation. Discussed women's pension protection. Discussed problems related to the "de-risking" of defined benefit pension plans. Submitted comments to the Department of Labor and related agencies on retirement topics including lifetime income and target date retirement funds.

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Discussed Banking Committee issues including SEC Fiduciary rulemaking, JOBS Act implementation and Dodd-Frank implementation. (no bill) H.R. 4660/S. 2437, The Commerce, Justice and Science Appropriations Act of 2015 - Lobbied to protect Census funding and consumer protection programs with jurisdiction of subcommittee. H.R.5016, H.J.Res. 124, Continuing Appropriations Resolution, 2015. The Financial Services and General Government Appropriations Act of 2015 - Lobbied to protect consumer protection programs and implementation of ACA health insurance exchanges. (no bill) H.R. 1062, Letter written in opposition to the SEC Regulatory Accountability Act. Sent letter to the SEC urging it to propose rulemaking on Fiduciary Duty. (no bill) H.R. 2374, Letter written in opposition to the Retail Investor Protection Act. H.R. 1953, Expressed support for the Senior Fraud Prevention Act (FTC). S. 1358, Seniors Fraud Prevention Act - Letter written in support of this bill. S. 807, Plain Writing Act for Regulations - Letter written in support of this bill. Comment letter to the SEC on amendments to Reg. D, Form D, and rule 156 under the SEC Act, to implement JOBS Act provisions. Letter to Senate urging members not to sign a letter to OMB that would elay or prevent rulemaking by SEC and DOL on fiduciary duty. Recommendations to SEC in response to RFI regarding duties of broker/dealers and investment advisors. Met with SEC Commissioners to discuss the need to move forward with a fiduciary duty proposal. H.R. 1627 - Letter to House members urging co-sponsorship of this bill to provide user fees for regular examinations of registered investment advisors. Expressed opposition to a letter sent to the OMB by ten Senators urging that any DOL fiduciary duty rule be delayed with 60 days after completion of a related SEC proposal. Discussed methods for expediting DOL upgrade of Fiduciary duty definition under ERISA with agency staff. Met with Administration staff to discuss issuance of SEC and DOL fiduciary duty rules. Met with Senate Banking Committee staff to encourage support for SEC and DOL fiduciary duty rules. H.R. 1627, Investment Advisor Examination Improvement Act of 2013 - Letter to House in support (user fees to fund investment advisors). Met with EBSA on proposed regulatory agenda affecting financial institutions and retirement security. (no bill) Discussed bill to enhance law enforcement cooperation on Social Security number theft. (no bill) Discussed bill to require more effective disclosure on retail bond sales. (no bill) Sent letter to SEC demonstrating the harm from maintaining the suitability standard as opposed to imposing a fiduciary duty on broker/dealers to investors. (no bill) Discussed the need for SEC and DOL fiduciary duty and user fees to fund the examination of registered investment advisors. (no bill) Briefed House Financial Services staff on detrimental effects of mandatory pre-dispute arbitration clauses in contracts. (no bill) Briefed Senate financial services staff on bank fraud and the objectives of the Department of Justice's Operation Choke Point. (no bill) H.R. 1627 - Discussed fiduciary duty and user fees to fund the examination of Investment Advisors with SEC Office of the Investor Advocate. Letter to Congress and White House staff on the need to update the definition of "fiduciary" under ERISA. (no bill)

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Responded to requests for comment with regard to Payday Lending, Mandatory Arbitration, "Larger Participants" (non-bank), and Bank Overdraft Fees.Lobbied against H.R. 3035 the "Mobile Informational Call Act" of 2011. Responded to Consumer Financial Protection Bureau request for comment on "Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination. Submitted comments to the CFPB on effective financial education, Docket No. CFPB 2012-0030. H.R. 5016, Financial Services and General Government Appropriations bill, 2015 - Lobbied to protect funding levels for SEC, CFIC and CFPB, enforcement of consumer protection laws and agencies. Letter from AARP and Americans Act for Financial Reform (AFR) to the House urging opposition to a package of bills that would weaken CFPB's structure and funding mechanism. S. 878/H.R. 1844, Arbitration Fairness Act - AARP went on record in support of the bills. Financial Services and General Government Appropriations bill, 2015 - Lobbied to protect funding levels for SEC, CFIC and CFPB, enforcement of consumer portection laws and agencies. H.R. 3193, Consumer Financial Freedom and Washington Accountability Act - Letter in opposition to bill to weaken the CFPB. Sent letter to CFPB to correct abusive debt collection practices, Docket 2013-0033, RIN 3170-AA41. H.R. 4436, Discussed Investing in Student Success Act. Discussed Fraud Watch Network. (no bill) Briefed House Financial Services staff on detrimental effects of mandatory pre-dispute arbitration clauses in contracts. (no bill) Briefed Senate financial services staff on bank fraud and the objectives of the Department of Justice's Operation Choke Point. (no bill) CFPB-2014-007-Responded to CFPB debt collection survey proposal. CFPB-2013-0033/RIN 3170-AA41 - Responded to CFPB AAPR on debt collection. CFPB-2014-0012-Responded to CFPB RFI on Mobil Financial Services. CFPB-2014-0016-Responded to CFPB request for comment on Disclosure of Consumer Complaint Narrative Data. H.J. Res. 124, Continuing Appropriations Resolution, 2015 - Lobbied to protect funding for SEC, CFIC and CFPB consumer protection programs.

Discussed increasing senior representation in CDC studies and supported public participation in samples.Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs and, Low Income Home Energy Assistance. Discussed Social Security Administration's Representative Payee program's current and future challenges. (no bill) Discussed implementation of Windsor decision at the Social Security Administration with Congressional staff. H.R. 3695 - To provide a temporary extension of the Food, Conservation, and Energy Act of 2008 and amendments made by that Act, as previously extended and amended and with certain additional modifications and exceptions, to suspend permanent price support authorities, and for other purposes. H.R. 2642 - Oppose farm bill that authorizes only farm programs for five years and severs nutrition programs. S. 954, Agriculture Reform, Food, and Jobs Act of 2013 - Support Senate Authorization of Farm Bill despite concerns about SNAP cuts. H.R. 3102, Nutrition Reform and Work Opportunity Act of 2013 - Oppose House Nutrition only bill to reauthorize USDA nutrition programs for only three years with cuts and apart from the Farm Bill. Discussed events related to the government shut down.

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.Lobbied on expected "QM" safe harbor amendment. (The amendment was not offered) H.R. 4745/S. 2438, Transportation, Housing and Urban Development Appropriations bill, 2014 - Lobbied for senior housing and transportation programs, and related community development aid. Discussed proposals to reform GSE's (Fannie Mae, Freddie Mac). (no bill) Submitted comments to HUD on Affirmatively Furthering Fair Housing. (no bill) S. 1217 - Discussed housing finance reform with Senate Banking Committee members and staff. 78 Federal Regulation #183, Credit Risk Retention Proposal - Filed comments with OCC, FED Res., FDIC, SEC, FHFA, and HUD in support of combining "ability to pay" (QM) with "Risk Retention" (QRM). 78 Federal Reg. #177, HECM Reform Proposal - Filed comments expressing concern over the proposed financial assessment for reverse mortgage eligibility. Met with Senate Banking Committee staff on GSE Reform. Discussed needed improvements to HECM program with HUD. Letter sent to Senate Banking Committee on AARP policy objectives in GSE Reform, commenting on S. 1217. Discussed needed reforms in the HECM program regarding notification of heirs after the death of the borrower. (no bill) H.J. Res. 124, Continuing Appropriation Resolution, 2015 - Lobbied to protect various housing programs serving seniors from disapproportionate reduction under Continuing Resolution.

Discussed demographics and priorities for AARP members and the 50+ population in general. (no bill) Discussed with lawmakers & the Administration to keep Social Security separate from all budget negotiations/deficit reduction measures and opposed proposals for a "Chained CPI"Discussed the Department of Labor's proposed new fiduciary duty regulation with Congressional staff. Discussed possible proposals to improve pension rights for participants and reform proposals to improve pension coverage and adequacy. ( no bill) Briefed Congress on AARP's "You've Earned A Say"- A national conversation on the future of Social Security and Medicare with AARP members and all Americans. Lobbied against cuts to Social Security benefits via the adoption of chained CPI to calculate annual cost of living adjustments for Social Security and Veterans benefits, among others. (no bill) S.500, the Keeping Our Social Security Promise Act - Discussed legislation to apply payroll taxes to employment and self-employment taxes to remuneration up to the contribution and benefit base and to remuneration in excess of $250,000. S. 308, the Protecting and Preserving Social Security Act - Discussed legislation to implement the CPI-E for annual Social Security COLA's and to eliminate the cap on maximum taxable wages under Social Security. S.567, the Strengthening Social Security Act - Discussed legislation to implement the CPI-E for annual Social Security COLA's and to eliminate the cap on maximum taxable wages under Social Security. Discussed current and future challenges of Social Security's Representative Payee program. (no bill) Discussed pending DOL regulations of summary documents for 401(k) fee disclosure. (no bill) Discussed with Congress and the Department of Treasury's Financial Management Service their efforts regarding the March 2013 move away from paper checks to electronic benefit payments for all Social Security beneficiaries. (no bill) S. Con. Res.8, Sanders Amendment to Senate Budget Resolution - to prevent cuts to Social Security via the adoption of chained CPI to calculate annual cost of living adjustments for Social Security and Veterans benefts, among others. S. Con.Res.8, AARP expressed opposition to the Ayotte amendment (#165) to prohibit the Department of Labor from implementing a proposal to expand the definition of "fiduciary" under the Employee Retirement Income Security Act (ERISA) to include appraisals of employee stock ownership plans. S. Con.Res. 8, AARP expressed opposition to the Isakson amendment (#571) to prohibit the Department of Labor from updating ERISA fiduciary protections to safeguard the savings of worker investments in retirement accounts. Conducted staff briefings on the importance of DOL and SEC efforts to update the definition of a fiduciary to better protect American investors and H.R. 2374. Letters sent to Hill on the importance of tax incentives for retirement and health plans. (no bill) Letter sent to the President to prioritize the nomination of a new commissioner for the Social Security Administration. (no bill) Submitted comments to the DOL in response to their Advanced Notice of Proposed Rulemaking (ANPRM) on the issue of lifetime income illustrations in periodic pension benefit statements of defined contributions pension plans such as 401(k) and 403(b) plans. (no bill) Submitted comments to the Ways and Means Committee in response to their request for comments from the public on chained CPI and other benefit reductions to Social Security. Further delivered 2.4 million petitions in response to these requests. (no bill) Discussed S. 1270, the SAFE Retirement Act. Discussed S. 1351, the INFORM Act. H. R. 1601, the SSI Restoration Act - Signed on to Leadership Council of Aging Organization's (LCAO) endorsement letter on legislation to update aspects of the Supplemental Security Income Program. Lobbied to prevent the inclusion of Social Security, Medicare and Medicaid benefit cuts in any package pertaining to the continuing resolution or the debt ceiling. Discussed retirement bills in draft with multiple staffers. (no bill) Sent letter opposing Thune amendment to the Highway bill which would cut benefits under SSDI and UI. (no bill) Discussed legislation to improve SSA administrative services. (no bill) Discussed proposals to protect multi-employer pensions. (no bill)H.R. 2229, the Safeguarding Social Security Numbers Act of 2013 - Discussed legislation with Hill staff to establish a universal standard for the truncation of Social Security Numbers to prevent identity theft and fraud. H.R. 2171/S. 1145, the Lifetime Income Disclosure Act - Support for bipartisan legislation to express on annual 401(k) benefit statements the approximate annuity value of the lump sum value of the account. Discussed potential AARP comments to the Department of Labor's Employee Benefits Security Administration's Announcement of Proposed Rulemaking on lifetime income illustrations given to participants in defined contribution pension plans, such as 401(k) and 403(b) plans. (no bill) Discussed with officials from DOL Employee Benefits Security Administration the planned re-proposal of regulations to update the definition of a fiduciary for ERISA covered pension plans. (no bill) H.R. 2374, the Retail Investor Protection Act - Expressed opposition to H.R. 2374 to delay the DOL's planned re-proposal of regulations to update the definition of a fiduciary for ERISA covered pension plans until 60 days after the potential release of similar regulations by the Securities and Exchange Commission. H.R. 2154, the CPI for Seniors Act of 2013 - Discussed legislation to implement a Consumer Price Index for Seniors for calculating annual Social Security cost of living adjustments. Lobbied to prevent inclusion of Medicare, Medicaid, and Social Security benefit cuts and protect vital health, social services, housing and transportation programs in any Deficit Reduction proposals and from enhanced redutions under sequestration. (no bill) H.R. 2374, Labor, HHS and Related Agencies Appropriations bill 2015 - Letter and lobbying in opposition to this bill that would delay or prevent a DOL proposed rulemaking on Fiduciary Duty. Conducted briefings in both House and Senate. Met with DOL officials to urge reissuance of a proposed rule to update fiduciary duty as it applies to ERISA. (no bill) Letter to Senate urging members not to sign a letter to OMB that would delay or prevent a DOL rulemaking on fiduciary duty. (no bill) Sent letter to Congress to urge the House and Senate to take steps to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Sent letter to White House to urging the President to take steps with Congress to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Lobbied opposition to H.R. 2374, the Retail Investor Protection Act, voted on by the House in October 2013. Lobbied to prevent the inclusion of Social Security, Medicare and Medicaid cuts for the purpose of achieving deficit reduction, a budget agreement, or as a tradeoff for scheduled sequestration cuts or other government spending. (no bill) Letter to OMB in opposition to a letter sent to the Agency by ten Senators urging that any DOL fiduciary duty rule be delayed until 60 days after completion of a related SEC proposal. Submitted testimony to Finance Committee for hearing on December 18th on Social Security. Discussed draft Social Security legislation with several Congressional staffers. (no bill) S. 1979, the USA Retirement Funds Act - Lobbied for additional protections to ensure older workers and retirees pension benefits are fully protected. S. 1970, the Retirement Security Act - Lobbied for additional protections for lower income and other workers to ensure that promised benefits are equitably provided. S. 2089, the SSI Restoration Act - AARP considered the need to update and index SSI benefits for inflation. S. 1270, Retirement Security Act - Sent letter of support. Met with Department of Treasury on pending retirement initiatives. Met with NEC staff on retirement issues. Met with DOL on retirement issues. Met with Administration staff to discuss issuance of proposed rules on Fiduciary duty. Multi-employer Pension Reform - Discussed concerns regarding reform proposals that cut retiree benefits; met with PBGC. (no bill) Letter to SEC demonstrating the harm from maintaining the suitability standard as opposed to imposing a fiduciary duty on broker/dealers to investors. (no bill) Discussed the need for fiduciary duty and user fees to fund the examination of registered investment advisors. (no bill) Letter to SEC in support of efforts to improve marketing and advertising of target date funds.

Discussed increasing senior representation in CDC studies and supported public participation in samples.Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs and, Low Income Home Energy Assistance. Discussed Social Security Administration's Representative Payee program's current and future challenges. (no bill) Discussed implementation of Windsor decision at the Social Security Administration with Congressional staff. H.R. 3695 - To provide a temporary extension of the Food, Conservation, and Energy Act of 2008 and amendments made by that Act, as previously extended and amended and with certain additional modifications and exceptions, to suspend permanent price support authorities, and for other purposes. H.R. 2642 - Oppose farm bill that authorizes only farm programs for five years and severs nutrition programs. S. 954, Agriculture Reform, Food, and Jobs Act of 2013 - Support Senate Authorization of Farm Bill despite concerns about SNAP cuts. H.R. 3102, Nutrition Reform and Work Opportunity Act of 2013 - Oppose House Nutrition only bill to reauthorize USDA nutrition programs for only three years with cuts and apart from the Farm Bill. Discussed events related to the government shut down.

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Letter sent to Senate Banking Committee Members in support of confirming a nominee to serve as the director of the Consumer Financial Protection Bureau. (no bill) Sign-on letter sent to the Federal Reserve, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency in support of action of bank involvement in high-cost payday loans. (no bill) Discussed Banking Committee issues including SEC Fiduciary rulemaking, JOBS Act implementation and Dodd-Frank implementation. (no bill) H.R. 4660/S. 2437, The Commerce, Justice and Science Appropriations Act of 2015 - Lobbied to protect Census funding and consumer protection programs with jurisdiction of subcommittee. The Financial Services and General Government Appropriations Act of 2015 - Lobbied to protect consumer protection programs and implementation of ACA health insurance exchanges. (no bill) H.R. 1062, Letter written in opposition to the SEC Regulatory Accountability Act. Sent letter to the SEC urging it to propose rulemaking on Fiduciary Duty. (no bill) H.R. 2374, Letter written in opposition to the Retail Investor Protection Act. H.R. 1953, Expressed support for the Senior Fraud Prevention Act (FTC). S. 1358, Seniors Fraud Prevention Act - Letter written in support of this bill. S. 807, Plain Writing Act for Regulations - Letter written in support of this bill. Comment letter to the SEC on amendments to Reg. D, Form D, and rule 156 under the SEC Act, to implement JOBS Act provisions. Letter to Senate urging members not to sign a letter to OMB that would elay or prevent rulemaking by SEC and DOL on fiduciary duty. Comment letter to SEC in response to RFI regarding duties of broker/dealers and investment advisors. Lobbied in opposition to H.R. 2374, the Retail Investor Protection Act, voted on by the House in October 2013. Letter to OMB urging expedited handling of upcoming JEC and DOL fiduciary proposals in opposition to Congressional suggestions that the rules be delayed. Met with JEC Commissioners to discuss the need to move forward with a fiduciary duty proposal. H.R. 1622 - Letter to House members urging co-sponsorship of this bill to provide user fees for regular examinations of registered investment advisors. Letter to OMB in opposition to a letter sent to the agency by ten Senators urging that any DOL fiduciary duty rule be delayed with 60 days after completion of a related SEC proposal. Discussed methods for expediting DOL upgrade of Fiduciary duty definition under ERISA with agency staff. Met with Administration staff to discuss issuance of SEC and DOL fiduciary duty rules. Met with Senate Banking Committee staff to encourage support for SEC and DOL fiduciary duty rules. H.R. 1627, Investment Advisor Examination Improvement Act of 2013 - Letter to House in support (user fees to fund investment advisors). Met with EBSA on proposed regulatory agenda affecting financial institutions and retirement security. (no bill) Discussed bill to enhance law enforcement cooperation on Social Security number theft. (no bill) Discussed bill to require more effective disclosure on retail bond sales. (no bill) Sent letter to SEC demonstrating the harm from maintaining the suitability standard as opposed to imposing a fiduciary duty on broker/dealers to investors. (no bill) Discussed the need for fiduciary duty and user fees to fund the examination of registered investment advisors. (no bill) Briefed House Financial Services staff on detrimental effects of mandatory pre-dispute arbitration clauses in contracts. (no bill) Briefed Senate financial services staff on bank fraud and the objectives of the Department of Justice's Operation Choke Point. (no bill)

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Responded to requests for comment with regard to Payday Lending, Mandatory Arbitration, "Larger Participants" (non-bank), and Bank Overdraft Fees.Discussed response to requests for comment with regard to Student Loan Affordability and Authority to restrict Mandatory Pre-Dispute Arbitration. Lobbied against H.R. 3035 the "Mobile Informational Call Act" of 2011. Responded to Consumer Financial Protection Bureau request for comment on "Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination. Responded to Consumer Financial Protection Bureau request for comment on Senior Financial Exploitation. Submitted comment letter to the CFPB on Integrated Mortgage Disclosure under RESPA and TILA Docket No. CFPB-2012-0028. Submitted comments to the CFPB on effective financial education, Docket No. CFPB 2012-0030. H.R. 2786/S.1371, Financial Services and General Government Appropriations bill, 2014 - Lobbied to protect funding levels for SEC, CFIC and CFPB, enforcement of consumer protection laws and agencies. H. R. 1953, Senior Fraud Prevention Act - Expressed support for bill and urged cosponsorship. S. 807, Letter of Support for the Plain Writing Act for Regulations. S. 1358, Letter in support of the Senior Fraud Prevention Act. Letter from AARP and Americans Act for Financial Reform (AFR) to the House urging opposition to a package of bills that would weaken CFPB's structure and funding mechanism. S. 878/H.R. 1844, Arbitration Fairness Act - AARP went on record in support of the bills. Financial Services and General Government Appropriations bill, 2015 - Lobbied to protect funding levels for SEC, CFIC and CFPB, enforcement of consumer portection laws and agencies. H.R. 3193, Consumer Financial Freedom and Washington Accountability Act - Letter in opposition to bill to weaken the CFPB. Sent letter to CFPB to correct abusive debt collection practices, Docket 2013-0033, RIN 3170-AA41. H.R. 4436, Discussed Investing in Student Success Act. Discussed Fraud Watch Network. (no bill) Briefed House Financial Services staff on detrimental effects of mandatory pre-dispute arbitration clauses in contracts. (no bill) Briefed Senate financial services staff on bank fraud and the objectives of the Department of Justice's Operation Choke Point. (no bill)

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Submitted comments to HUD on proposed regulations on "Implementation of the Fair Housing Acts" Discriminatory Effects Standard". Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) Responded to Consumer Financial Protection Bureau request for comment on "Information Regarding Consumer Use of Reverse Mortgages. Responded to Consumer Financial Protection Bureau request for comment on "High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homerownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)" H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.Lobbied on expected "QM" safe harbor amendment. (The amendment was not offered) H.R. 4745/S. 2438, Transportation, Housing and Urban Development Appropriations bill, 2014 - Lobbied for senior housing and transportation programs, and related community development aid. Testified before the Housing, Transportation, and Community Development Subcommittee of the Senate Banking Committee on solutions to preserve the HUD HECM program on reverse mortgages. (no bill) Discussed proposals to reform GJE's (Fannie Mae, Freddie Mac). (no bill) Submitted comments to HUD on Affirmatively Furthering Fair Housing. (no bill) Met with HUD officials to discuss implications of mortgagee letter ruling authority relative to the HECM program, and related concerns. (no bill) S. 1217 - Discussed housing finance reform with Senate Banking Committee members and staff. 78 Federal Regulation #183, Credit Risk Retention Proposal - Filed comments with OCC, FED Res., FDIC, SEC, FHFA, and HUD in support of combining "ability to pay" (QM) with "Risk Retention" (QRM). 78 Federal Reg. #177, HECM Reform Proposal - Filed comments expressing concern over the proposed financial assessment for reverse mortgage eligibility. Met with Senate Banking Committee staff on GSE Reform. Discussed needed improvements to HECM program with HUD. Letter sent to Senate Banking Committee on AARP policy objectives in GSE Reform, commenting on S. 1217. Discussed needed reforms in the HECM program regarding notification of heirs after the death of the borrower. (no bill)

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Letter sent to Senate Banking Committee Members in support of confirming a nominee to serve as the director of the Consumer Financial Protection Bureau. (no bill) Sign-on letter sent to the Federal Reserve, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency in support of action of bank involvement in high-cost payday loans. (no bill) Discussed Banking Committee issues including SEC Fiduciary rulemaking, JOBS Act implementation and Dodd-Frank implementation. (no bill) H.R. 2787/S. 1329, The Commerce, Justice and Science Appropriations Act of 2014 - Lobbied to protect consumer protection programs with jurisdiction of subcommittee. H.R. 2786/S. 1371, The Financial Services and General Government Appropriations Act of 2014 - Lobbied to protect consumer protection programs and implementation of ACA health insurance exchanges. H.R. 1062, Letter written in opposition to the SEC Regulatory Accountability Act. Sent letter to the SEC urging it to propose rulemaking on Fiduciary Duty. (no bill) H.R. 2374, Letter written in opposition to the Retail Investor Protection Act. H.R. 1953, Expressed support for the Senior Fraud Prevention Act (FTC). S. 1358, Seniors Fraud Prevention Act - Letter written in support of this bill. S. 807, Plain Writing Act for Regulations - Letter written in support of this bill. Comment letter to the SEC on amendments to Reg. D, Form D, and rule 156 under the SEC Act, to implement JOBS Act provisions. Letter to Senate urging members not to sign a letter to OMB that would elay or prevent rulemaking by SEC and DOL on fiduciary duty. Comment letter to SEC in response to RFI regarding duties of broker/dealers and investment advisors. H.R. 3547/H.J.R./59/H.R. 2775/H.J.R. 106, Consolidated Appropriations Act, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Lobbied in opposition to H.R. 2374, the Retail Investor Protection Act, voted on by the House in October 2013. Letter to OMB urging expedited handling of upcoming JEC and DOL fiduciary proposals in opposition to Congressional suggestions that the rules be delayed. Met with JEC Commissioners to discuss the need to move forward with a fiduciary duty proposal. H.R. 1622 - Letter to House members urging co-sponsorship of this bill to provide user fees for regular examinations of registered investment advisors. Letter to OMB in opposition to a letter sent to the agency by ten Senators urging that any DOL fiduciary duty rule be delayed with 60 days after completion of a related SEC proposal. Discussed methods for expediting DOL upgrade of Fiduciary duty definition under ERISA with agency staff. Met with Administration staff to discuss issuance of SEC and DOL fiduciary duty rules. Met with Senate Banking Committee staff to encourage support for SEC and DOL fiduciary duty rules. H.R. 1627, Investment Advisor Examination Improvement Act of 2013 - Letter to House in support (user fees to fund investment advisors). Met with EBSA on proposed regulatory agenda affecting financial institutions and retirement security. (no bill) Discussed bill to enhance law enforcement cooperation on Social Security number theft. (no bill) Discussed bill to require more effective disclosure on retail bond sales. (no bill)

H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial, employment and health care-related regulation.H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.R. 2787/S. 1329, The Commerce, Justice and Science Appropriations Act, 2014 - Lobbied to protect consumer protection programs within jurisdiction of subcommittee. H.R. 2786/S.1371, The Financial Services and General Government Act, 2014 - Lobbied to protect consumer protection programs and implementation of ACA health insurance exchanges. H.R. 2410/S. 1244 - Agriculture, Rural Development, FDA Appropriations Act, 2014 - Lobbied to protect funding for nutrition and FDA drug processing. S. 1284, The Labor, Health and Human Services Appropriations Act, 2014 - Lobbied to protect employment, health and human services and energy assistance programs for seniors, disabled and low income assistance. H.R. 2610/S. 1243, Transportation, Housing and Urban Development Appropriations bill, 2014 - Lobbied to protect funding levels for senior housing and transportation programs, and related community development aid. Discussed the impact of Deficit reduction proposals and sequestration on Medicare, Medicaid, Social Security and on vital health, social, housing and transportation programs. (no bill) Discussed S. 1351, the INFORM Act. Discussed H.J.Res. 59/H.R. 2775, Continuing Appropriations Resolutions, 2014. Sent letter to Congress to urge that the House and Senate take steps to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Sent letter to President Obama to urge that he take steps with Congress to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Sent letter to Budget Conference Committee chairs urging they reject harmful cuts to Social Security and Medicare benefits for the purpose of achieving deficit reduction or as a tradeoff for scheduled sequestration cuts or other government spending. (no bill) Lobbied to prevent the inclusion of Social Security, Medicare and Medicaid cuts for the purpose of achieving deficit reduction, a budget agreement, or as a tradeoff for scheduled sequestration cuts or other government spending. Met with Administration officials regarding Social Security and the FY 2015 budget. H.R. 3547/H.J.R. 59/H.R. 2775/H.J.R. 106, Consolidated Appropriations Act, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and healthcare-related regulation. Discussed Presidents Budget. Discussed ACL FY 2015 budget.

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Responded to requests for comment with regard to Payday Lending, Mandatory Arbitration, "Larger Participants" (non-bank), and Bank Overdraft Fees.Discussed response to requests for comment with regard to Student Loan Affordability and Authority to restrict Mandatory Pre-Dispute Arbitration. Lobbied against H.R. 3035 the "Mobile Informational Call Act" of 2011. Responded to Consumer Financial Protection Bureau request for comment on "Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination. Responded to Consumer Financial Protection Bureau request for comment on Senior Financial Exploitation. Submitted comment letter to the CFPB on Integrated Mortgage Disclosure under RESPA and TILA Docket No. CFPB-2012-0028. Submitted comments to the CFPB on effective financial education, Docket No. CFPB 2012-0030. H.R. 2786/S.1371, Financial Services and General Government Appropriations bill, 2014 - Lobbied to protect funding levels for SEC, CFIC and CFPB, enforcement of consumer protection laws and agencies. H. R. 1953, Senior Fraud Prevention Act - Expressed support for bill and urged cosponsorship. S. 807, Letter of Support for the Plain Writing Act for Regulations. S. 1358, Letter in support of the Senior Fraud Prevention Act. Letter from AARP and Americans Act for Financial Reform (AFR) to the House urging opposition to a package of bills that would weaken CFPB's structure and funding mechanism. S. 878/H.R. 1844, Arbitration Fairness Act - AARP went on record in support of the bills. H.R. 3547, H.J.R. 59/H.R. 2775, H.J.R. 106, Consolidated Appropriations Act, 2014 - Lobbied to protect funding levels for SEC, CFIC and CFPB, enforcement of consumer portection laws and agencies. H.R. 3193, Consumer Financial Freedom and Washington Accountability Act - Letter in opposition to bill to weaken the CFPB. Sent letter to CFPB to correct abusive debt collection practices, Docket 2013-0033, RIN 3170-AA41.

H.J. Resolution 59/H.R. 2775/S. 1284 - Discussed poverty and hunger issues.Discussed increasing senior representation in CDC studies and supported public participation in samples. Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs, Low Income Home Energy Assistance, Weatherization, Elderly Housing and Transit/Transportation, Legal and Taxpayer Assistance, Consumer and Worker Protections and Postal Services. Discussed Social Security Administration's Representative Payee program's current and future challenges. (no bill) H.R. 3547/H.J.R.59/H.R. 2775/H.J.R. 106, Consolidated Appropriations Act, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Discussed implementation of Windsor decision at the Social Security Administration with Congressional staff. H.R. 3695 - To provide a temporary extension of the Food, Conservation, and Energy Act of 2008 and amendments made by that Act, as previously extended and amended and with certain additional modifications and exceptions, to suspend permanent price support authorities, and for other purposes. H.R. 2642 - Oppose farm bill that authorizes only farm programs for five years and severs nutrition programs. S. 954, Agriculture Reform, Food, and Jobs Act of 2013 - Support Senate Authorization of Farm Bill despite concerns about SNAP cuts. H.R. 3102, Nutrition Reform and Work Opportunity Act of 2013 - Oppose House Nutrition only bill to reauthorize USDA nutrition programs for only three years with cuts and apart from the Farm Bill. Discussed events related to the government shut down.

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Submitted comments to HUD on proposed regulations on "Implementation of the Fair Housing Acts" Discriminatory Effects Standard". Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) Responded to Consumer Financial Protection Bureau request for comment on "Information Regarding Consumer Use of Reverse Mortgages. Responded to Consumer Financial Protection Bureau request for comment on "High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homerownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)" H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.Lobbied on expected "QM" safe harbor amendment. (The amendment was not offered) H.R. 2610/S. 1243, Transportation, Housing and Urban Development Appropriations bill, 2014 - Lobbied for senior housing and transportation programs, and related community development aid. Testified before the Housing, Transportation, and Community Development Subcommittee of the Senate Banking Committee on solutions to preserve the HUD HECM program on reverse mortgages. (no bill) Discussed proposals to reform GJE's (Fannie Mae, Freddie Mac). (no bill) Submitted comments to HUD on Affirmatively Furthering Fair Housing. (no bill) Met with HUD officials to discuss implications of mortgagee letter ruling authority relative to the HECM program, and related concerns. (no bill) H.R. 3547/H.J.R. 59/H.R. 2775/H.J.R. 106, Consolidated Appropriations Act, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. 1217 - Discussed housing finance reform with Senate Banking Committee members and staff. 78 Federal Regulation #183, Credit Risk Retention Proposal - Filed comments with OCC, FED Res., FDIC, SEC, FHFA, and HUD in support of combining "ability to pay" (QM) with "Risk Retention" (QRM). 78 Federal Reg. #177, HECM Reform Proposal - Filed comments expressing concern over the proposed financial assessment for reverse mortgage eligibility. Met with Senate Banking Committee staff on GSE Reform. Discussed needed improvements to HECM program with HUD.

H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial, employment and health care-related regulation.H.J.R. 59, Continuing Appropriations Resolution, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Budget Conference Committee - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs. (no bill) S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.R. 2787/S. 1329, The Commerce, Justice and Science Appropriations Act, 2014 - Lobbied to protect consumer protection programs within jurisdiction of subcommittee. H.R. 2786/S.1371, The Financial Services and General Government Act, 2014 - Lobbied to protect consumer protection programs and implementation of ACA health insurance exchanges. H.R. 2410/S. 1244 - Agriculture, Rural Development, FDA Appropriations Act, 2014 - Lobbied to protect funding for nutrition and FDA drug processing. S. 1284, The Labor, Health and Human Services Appropriations Act, 2014 - Lobbied to protect employment, health and human services and energy assistance programs for seniors, disabled and low income assistance. H.R. 2610/S. 1243, Transportation, Housing and Urban Development Appropriations bill, 2014 - Lobbied to protect funding levels for senior housing and transportation programs, and related community development aid. Discussed the impact of Deficit reduction proposals and sequestration on Medicare, Medicaid, Social Security and on vital health, social, housing and transportation programs. (no bill) Discussed S. 1351, the INFORM Act. Discussed H.J.Res. 59/H.R. 2775, Continuing Appropriations Resolutions, 2014. Sent letter to Congress to urge that the House and Senate take steps to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Sent letter to President Obama to urge that he take steps with Congress to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Sent letter to Budget Conference Committee chairs urging they reject harmful cuts to Social Security and Medicare benefits for the purpose of achieving deficit reduction or as a tradeoff for scheduled sequestration cuts or other government spending. (no bill) Lobbied to prevent the inclusion of Social Security, Medicare and Medicaid cuts for the purpose of achieving deficit reduction, a budget agreement, or as a tradeoff for scheduled sequestration cuts or other government spending. (no bill) Met with Administration officials regarding Social Security and the FY 2015 budget.

Discussed demographics and priorities for AARP members and the 50+ population in general. (no bill) Discussed with lawmakers & the Administration to keep Social Security separate from all budget negotiations/deficit reduction measures and opposed proposals for a "Chained CPI"Discussed the Department of Labor's proposed new fiduciary duty regulation with Congressional staff. Discussed possible proposals to improve pension rights for participants and reform proposals to improve pension coverage and adequacy. ( no bill) Briefed Congress on AARP's "You've Earned A Say"- A national conversation on the future of Social Security and Medicare with AARP members and all Americans. Lobbied against cuts to Social Security benefits via the adoption of chained CPI to calculate annual cost of living adjustments for Social Security and Veterans benefits, among others. (no bill) S.500, the Keeping Our Social Security Promise Act - Discussed legislation to apply payroll taxes to employment and self-employment taxes to remuneration up to the contribution and benefit base and to remuneration in excess of $250,000. S. 308, the Protecting and Preserving Social Security Act - Discussed legislation to implement the CPI-E for annual Social Security COLA's and to eliminate the cap on maximum taxable wages under Social Security. S.567, the Strengthening Social Security Act - Discussed legislation to implement the CPI-E for annual Social Security COLA's and to eliminate the cap on maximum taxable wages under Social Security. Discussed current and future challenges of Social Security's Representative Payee program. (no bill) Discussed pending DOL regulations of summary documents for 401(k) fee disclosure. (no bill) Discussed with Congress and the Department of Treasury's Financial Management Service their efforts regarding the March 2013 move away from paper checks to electronic benefit payments for all Social Security beneficiaries. (no bill) S. Con. Res.8, Sanders Amendment to Senate Budget Resolution - to prevent cuts to Social Security via the adoption of chained CPI to calculate annual cost of living adjustments for Social Security and Veterans benefts, among others. S. Con.Res.8, AARP expressed opposition to the Ayotte amendment (#165) to prohibit the Department of Labor from implementing a proposal to expand the definition of "fiduciary" under the Employee Retirement Income Security Act (ERISA) to include appraisals of employee stock ownership plans. S. Con.Res. 8, AARP expressed opposition to the Isakson amendment (#571) to prohibit the Department of Labor from updating ERISA fiduciary protections to safeguard the savings of worker investments in retirement accounts. Testified on participants' rights concerns on Pension Plan "Derisking" to DOL's with ERISA Advisory Council. (no bill) Testified in Congress on concerns with reform proposals regarding multiemployer pension plans; discussed concerns with PBGC and Congressional staff. Conducted staff briefings on the importance of DOL and SEC efforts to update the definition of a fiduciary to better protect American investors and H.R. 2374. Letters sent to Hill on the importance of tax incentives for retirement and health plans. (no bill) Letter sent to the President to prioritize the nomination of a new commissioner for the Social Security Administration. (no bill) Submitted comments to the DOL in response to their Advanced Notice of Proposed Rulemaking (ANPRM) on the issue of lifetime income illustrations in periodic pension benefit statements of defined contributions pension plans such as 401(k) and 403(b) plans. (no bill) Submitted comments to the Ways and Means Committee in response to their request for comments from the public on chained CPI and other benefit reductions to Social Security. Further delivered 2.4 million petitions in response to these requests. (no bill) Discussed S. 1270, the SAFE Retirement Act. Discussed S. 1351, the INFORM Act. H. R. 1601, the SSI Restoration Act - Signed on to Leadership Council of Aging Organization's (LCAO) endorsement letter on legislation to update aspects of the Supplemental Security Income Program. Lobbied to prevent the inclusion of Social Security, Medicare and Medicaid benefit cuts in any package pertaining to the continuing resolution or the debt ceiling. Discussed retirement bills in draft with multiple staffers. (no bill)Submitted written statement to the House Ways & Means Social Security Subcommittee for the record of their April 18, 2013, hearing to examine proposals by the President and bipartisan groups to more accurately measure inflation. (no bill) Submitted letter to the the House Ways & Means Social Security Subcommittee for the record of their May 23, 2013, hearing to examine bipartisan proposals to adjust Social Security benefits and their impacts on the program's finances, beneficiaries, workers, and the economy. (no bill) H.R. 2229, the Safeguarding Social Security Numbers Act of 2013 - Discussed legislation with Hill staff to establish a universal standard for the truncation of Social Security Numbers to prevent identity theft and fraud. H.R. 2171/S. 1145, the Lifetime Income Disclosure Act - Support for bipartisan legislation to express on annual 401(k) benefit statements the approximate annuity value of the lump sum value of the account. Discussed potential AARP comments to the Department of Labor's Employee Benefits Security Administration's Announcement of Proposed Rulemaking on lifetime income illustrations given to participants in defined contribution pension plans, such as 401(k) and 403(b) plans. (no bill) Discussed with officials from DOL Employee Benefits Security Administration the planned re-proposal of regulations to update the definition of a fiduciary for ERISA covered pension plans. (no bill) H.R. 2374, the Retail Investor Protection Act - Expressed opposition to H.R. 2374 to delay the DOL's planned re-proposal of regulations to update the definition of a fiduciary for ERISA covered pension plans until 60 days after the potential release of similar regulations by the Securities and Exchange Commission. H.R. 2154, the CPI for Seniors Act of 2013 - Discussed legislation to implement a Consumer Price Index for Seniors for calculating annual Social Security cost of living adjustments. Lobbied to prevent inclusion of Medicare, Medicaid, and Social Security benefit cuts and protect vital health, social services, housing and transportation programs in any Deficit Reduction proposals and from enhanced redutions under sequestration. (no bill) H.R. 2374, Letter and lobbying in opposition to this bill that would delay or prevent a DOL proposed rulemaking on Fiduciary Duty. Conducted briefings in both House and Senate. Met with DOL officials to urge reissuance of a proposed rul to update fiduciary duty as it applies to ERISA. (no bill) Letter to Senate urging members not to sign a letter to OMB that would delay or prevent a DOL rulemaking on fiduciary duty. (no bill) H.J.R. 59/H.R. 2775, Continuing Appropriations Resolution, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Discussed and invited Members of Congress to speak at event on women's financial security. Sent letter to Congress to urge the House and Senate to take steps to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Sent letter to White House to urging the President to take steps with Congress to avoid default on our national debt and avoid risking benefits for current Social Security and Medicare beneficiaries. (no bill) Lobbied opposition to H.R. 2374, the Retail Investor Protection Act, voted on by the House in October 2013. Lobbied to prevent the inclusion of Social Security, Medicare and Medicaid cuts for the purpose of achieving deficit reduction, a budget agreement, or as a tradeoff for scheduled sequestration cuts or other government spending. (no bill) Letter to OMB in opposition to a letter sent to the Agency by ten Senators urging that any DOL fiduciary duty rule be delayed until 60 days after completion of a related SEC proposal. Submitted testimony to Finance Committee for hearing on December 18th on Social Security. Discussed draft Social Security legislation with several Congressional staffers. (no bill)

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Submitted comments to HUD on proposed regulations on "Implementation of the Fair Housing Acts" Discriminatory Effects Standard". Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) Responded to Consumer Financial Protection Bureau request for comment on "Information Regarding Consumer Use of Reverse Mortgages. Responded to Consumer Financial Protection Bureau request for comment on "High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homerownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)" H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.Lobbied on expected "QM" safe harbor amendment. (The amendment was not offered) H.R. 2610/S. 1243, Transportation, Housing and Urban Development Appropriations bill, 2014 - Lobbied for senior housing and transportation programs, and related community development aid. Testified before the Housing, Transportation, and Community Development Subcommittee of the Senate Banking Committee on solutions to preserve the HUD HECM program on reverse mortgages. (no bill) Discussed proposals to reform GJE's (Fannie Mae, Freddie Mac). (no bill) Submitted comments to HUD on Affirmatively Furthering Fair Housing. (no bill) Met with HUD officials to discuss implications of mortgagee letter ruling authority relative to the HECM program, and related concerns. (no bill) H.J.R. 59/H.R. 2775, Continuing Appropriations Resolution, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. 1217 - Discussed housing finance reform with Senate Banking Committee members and staff. 78 Federal Regulation #183, Credit Risk Retention Proposal - Filed comments with OCC, FED Res., FDIC, SEC, FHFA, and HUD in support of combining "ability to pay" (QM) with "Risk Retention" (QRM). 78 Federal Reg. #177, HECM Reform Proposal - Filed comments expressing concern over the proposed financial assessment for reverse mortgage eligibility.

Discussed poverty and hunger issues. (no bill) Discussed SNAP. (no bill)Discussed increasing senior representation in CDC studies and supported public participation in samples. Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs, Low Income Home Energy Assistance, Weatherization, Elderly Housing and Transit/Transportation, Legal and Taxpayer Assistance, Consumer and Worker Protections and Postal Services. Discussed Social Security Administration's Representative Payee program's current and future challenges. (no bill) H.J.R.59/H.R. 2775, Continuing Appropriations Resolution, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Discussed implementation of Windsor decision at the Social Security Administration with Congressional staff. H.R. 3695 - To provide a temporary extension of the Food, Conservation, and Energy Act of 2008 and amendments made by that Act, as previously extended and amended and with certain additional modifications and exceptions, to suspend permanent price support authorities, and for other purposes. H.R. 2642 - Oppose farm bill that authorizes only farm programs for five years and severs nutrition programs. S. 954, Agriculture Reform, Food, and Jobs Act of 2013 - Support Senate Authorization of Farm Bill despite concerns about SNAP cuts. H.R. 3102, Nutrition Reform and Work Opportunity Act of 2013 - Oppose House Nutrition only bill to reauthorize USDA nutrition programs for only three years with cuts and apart from the Farm Bill. Discussed events related to the government shut down.

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Letter sent to Senate Banking Committee Members in support of confirming a nominee to serve as the director of the Consumer Financial Protection Bureau. (no bill) Sign-on letter sent to the Federal Reserve, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency in support of action of bank involvement in high-cost payday loans. (no bill) Discussed Banking Committee issues including SEC Fiduciary rulemaking, JOBS Act implementation and Dodd-Frank implementation. (no bill) H.R. 2787/S. 1329, The Commerce, Justice and Science Appropriations Act of 2014 - Lobbied to protect consumer protection programs with jurisdiction of subcommittee. H.R. 2786/S. 1371, The Financial Services and General Government Appropriations Act of 2014 - Lobbied to protect consumer protection programs and implementation of ACA health insurance exchanges. H.R. 1062, Letter written in opposition to the SEC Regulatory Accountability Act. Sent letter to the SEC urging it to propose rulemaking on Fiduciary Duty. (no bill) H.R. 2374, Letter written in opposition to the Retail Investor Protection Act. H.R. 1953, Expressed support for the Senior Fraud Prevention Act (FTC). S. 1358, Seniors Fraud Prevention Act - Letter written in support of this bill. S. 807, Plain Writing Act for Regulations - Letter written in support of this bill. Comment letter to the SEC on amendments to Reg. D, Form D, and rule 156 under the SEC Act, to implement JOBS Act provisions. Letter to Senate urging members not to sign a letter to OMB that would elay or prevent rulemaking by SEC and DOL on fiduciary duty. Comment letter to SEC in response to RFI regarding duties of broker/dealers and investment advisors. H.J.R. 59/H.R. 2775, Continuing Appropriations Resolution, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Budget Conference Committee - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs. (no bill) Lobbied in opposition to H.R. 2374, the Retail Investor Protection Act, voted on by the House in October 2013. Letter to OMB urging expedited handling of upcoming JEC and DOL fiduciary proposals in opposition to Congressional suggestions that the rules be delayed. Met with JEC Commissioners to discuss the need to move forward with a fiduciary duty proposal. H.R. 1622 - Letter to House members urging co-sponsorship of this bill to provide user fees for regular examinations of registered investment advisors. Letter to OMB in opposition to a letter sent to the agency by ten Senators urging that any DOL fiduciary duty rule be delayed with 60 days after completion of a related SEC proposal. Discussed methods for expediting DOL upgrade of Fiduciary duty definition under ERISA with agency staff.

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Letter sent to Senate Banking Committee Members in support of confirming a nominee to serve as the director of the Consumer Financial Protection Bureau. (no bill) Sign-on letter sent to the Federal Reserve, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency in support of action of bank involvement in high-cost payday loans. (no bill) Discussed in meeting with Senate Banking Committee Members, issues before the Committee, including SEC Fiduciary rulemaking, JOBS Act implementation and Dodd-Frank implementation. (no bill) H.R. 2787/S. 1329, The Commerce, Justice and Science Appropriations Act of 2014 - Lobbied to protect consumer protection programs with jurisdiction of subcommittee. H.R. 2786/S. 1371, The Financial Services and General Government Appropriations Act of 2014 - Lobbied to protect consumer protection programs and implementation of ACA health insurance exchanges. H.R. 1062, Letter written in opposition to the SEC Regulatory Accountability Act. Sent letter to the SEC urging it to propose rulemaking on Fiduciary Duty. (no bill) H.R. 2374, Letter written in opposition to the Retail Investor Protection Act. H.R. 1953, Expressed support for the Senior Fraud Prevention Act (FTC). S. 1358, Seniors Fraud Prevention Act - Letter written in support of this bill. S. 807, Plain Writing Act for Regulations - Letter written in support of this bill. Comment letter to the SEC on amendments to Reg. D, Form D, and rule 156 under the SEC Act, to implement JOBS Act provisions. Letter to Senate urging members not to sign a letter to OMB that would elay or prevent rulemaking by SEC and DOL on fiduciary duty. Comment letter to SEC in response to RFI regarding duties of broker/dealers and investment advisors. H.J.R. 59, Continuing Appropriations Resolution, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Responded to requests for comment with regard to Payday Lending, Mandatory Arbitration, "Larger Participants" (non-bank), and Bank Overdraft Fees.Discussed response to requests for comment with regard to Student Loan Affordability and Authority to restrict Mandatory Pre-Dispute Arbitration. Lobbied against H.R. 3035 the "Mobile Informational Call Act" of 2011. Responded to Consumer Financial Protection Bureau request for comment on "Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination. Responded to Consumer Financial Protection Bureau request for comment on Senior Financial Exploitation. Submitted comment letter to the CFPB on Integrated Mortgage Disclosure under RESPA and TILA Docket No. CFPB-2012-0028. Submitted comments to the CFPB on effective financial education, Docket No. CFPB 2012-0030. Financial Services and General Government Appropriations bill, 2014 - Lobbied to protect funding levels for SEC, CFIC and CFPB, enforcement of consumer protection laws and agencies. (no bill) H. R. 1953, Senior Fraud Prevention Act - Expressed support for bill and urged cosponsorship. S. 807, Letter of Support for the Plain Writing Act for Regulations. S. 1358, Letter in support of the Senior Fraud Prevention Act.

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Submitted comments to HUD on proposed regulations on "Implementation of the Fair Housing Acts" Discriminatory Effects Standard". Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) Responded to Consumer Financial Protection Bureau request for comment on "Information Regarding Consumer Use of Reverse Mortgages. Responded to Consumer Financial Protection Bureau request for comment on "High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homerownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)" H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.Lobbied on expected "QM" safe harbor amendment. (The amendment was not offered) H.R. 2610/S. 1243, Transportation, Housing and Urban Development Appropriations bill, 2014 - Lobbied for senior housing and transportation programs, and related community development aid. Testified before the Housing, Transportation, and Community Development Subcommittee of the Senate Banking Committee on solutions to preserve the HUD HECM program on reverse mortgages. (no bill) Discussed proposals to reform GJE's (Fannie Mae, Freddie Mac). (no bill) Submitted comments to HUD on Affirmatively Furthering Fair Housing. (no bill) Met with HUD officials to discuss implications of mortgagee letter ruling authority relative to the HECM program, and related concerns. (no bill) H.J.R. 59, Continuing Appropriations Resolution, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.

Discussed poverty and hunger issues. (no bill) Discussed SNAP. (no bill)Discussed increasing senior representation in CDC studies and supported public participation in samples. Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs, Low Income Home Energy Assistance, Weatherization, Elderly Housing and Transit/Transportation, Legal and Taxpayer Assistance, Consumer and Worker Protections and Postal Services. Discussed Social Security Administration's Representative Payee program's current and future challenges. (no bill) H.J.R.59, Continuing Appropriations Resolution, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Letter sent to Senate Banking Committee Members in support of confirming a nominee to serve as the director of the Consumer Financial Protection Bureau. (no bill) Sign-on letter sent to the Federal Reserve, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency in support of action of bank involvement in high-cost payday loans. (no bill) Discussed in meeting with Senate Banking Committee Members, issues before the Committee, including SEC Fiduciary rulemaking, JOBS Act implementation and Dodd-Frank implementation. (no bill) The Commerce, Justice and Science Appropriations Act of 2014 - Lobbied to protect consumer protection programs with jurisdiction of subcommittee. (no bill) The Financial Services and General Government Appropriations Act of 2014 - Lobbied to protect consumer protection programs and implementation of ACA health insurance exchanges. (no bill) H.R. 1062, Letter written in opposition to the SEC Regulatory Accountability Act. Sent letter to the SEC urging it to propose rulemaking on Fiduciary Duty. (no bill) H.R. 2374, Letter written in opposition to the Retail Investor Protection Act. H.R. 1953, Discussed support for the Senior Fraud Prevention Act (FTC).

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Submitted comments to HUD on proposed regulations on "Implementation of the Fair Housing Acts" Discriminatory Effects Standard". Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) Responded to Consumer Financial Protection Bureau request for comment on "Information Regarding Consumer Use of Reverse Mortgages. Responded to Consumer Financial Protection Bureau request for comment on "High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homerownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)" H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.Lobbied on expected "QM" safe harbor amendment. (The amendment was not offered) S. 1243, Transportation, Housing and Urban Development Appropriations bill, 2014 - Lobbied for senior housing and transportation programs, and related community development aid. Testified before the Housing, Transportation, and Community Development Subcommittee of the Senate Banking Committee on solutions to preserve the HUD HECM program on reverse mortgages.

Discussed poverty and hunger issues. (no bill) Discussed SNAP. (no bill)Discussed increasing senior representation in CDC studies and supported public participation in samples. Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs, Low Income Home Energy Assistance, Weatherization, Elderly Housing and Transit/Transportation, Legal and Taxpayer Assistance, Consumer and Worker Protections and Postal Services. Discussed Social Security Administration's Representative Payee program's current and future challenges. (no bill)

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.Submitted comments to HUD on proposed regulations on "Implementation of the Fair Housing Acts" Discriminatory Effects Standard". Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) Responded to Consumer Financial Protection Bureau request for comment on "Information Regarding Consumer Use of Reverse Mortgages. Responded to Consumer Financial Protection Bureau request for comment on "High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homerownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)" H.R. 152, Disaster Relief Appropriations Act, 2013 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.R. 325, Debt Limit Extension - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline on bill to suspend the public debt limit through May 18, 2013, and to prevent repeal of certain financial and health care-related regulation. H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation.Lobbied on expected "QM" safe harbor amendment. (The amendment was not offered)

Discussed poverty and hunger issues. (no bill) Discussed SNAP. (no bill)Discussed increasing senior representation in CDC studies and supported public participation in samples. H.R. 8, the American Taxpayer Relief Act of 2012 - Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any end-of-the-session budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs, Low Income Home Energy Assistance, Weatherization, Elderly Housing and Transit/Transportation, Legal and Taxpayer Assistance, Consumer and Worker Protections and Postal Services.

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Responded to requests for comment with regard to Payday Lending, Mandatory Arbitration, "Larger Participants" (non-bank), and Bank Overdraft Fees.Lobbied against H.R. 3035 the "Mobile Informational Call Act" of 2011. Responded to Consumer Financial Protection Bureau request for comment on "Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination. Responded to Consumer Financial Protection Bureau request for comment on Senior Financial Exploitation. Submitted comment letter to the CFPB on Integrated Mortgage Disclosure under RESPA and TILA Docket No. CFPB-2012-0028. Submitted comments to the CFPB on effective financial education, Docket No. CFPB 2012-0030.

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation.H.R. 152, Disaster Relief Appropriations Act, 2013 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.R. 325, Debt Limit Extension - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline on bill to suspend the public debt limit through May 18, 2013, and to prevent repeal of certain financial and health care-related regulation. H. R. 933, Consolidated and Further Continuing Appropriations Act, 2013 - Lobbied to protect vital health and social services programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. S. Con. Res. 8, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. H.Con. Res. 25, Concurrent Resolution on the Budget, 2014 - Lobbied to prevent inclusion of Medicare, Medicaid and Social Security benefit cuts and to protect vital health, social services, housing and transportation programs from enhanced reductions from the prior year baseline, and to prevent repeal of certain financial and health care-related regulation. Letter sent to Senate Banking Committee Members in support of confirming a nominee to serve as the director of the Consumer Financial Protection Bureau. (no bill) Sign-on letter sent to the Federal Reserve, Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency in support of action of bank involvement in high-cost payday. (no bill) Discussed in meeting with Senate Banking Committee Members, issues before the Committee, including SEC Fiduciary rulemaking, JOBS Act implementation and Dodd-Frank implementation. (no bill)

Discussed demographics and priorities for AARP members and the 50+ population in general. (no bill) Lobbied supplemental poverty measure with House and Senate staff. (no bill) Discussed poverty and hunger issues. (no bill) Discussed SNAP. (no bill) Discussed increasing senior representation in CDC studies and supported public participation in samples. H.R. 8, the American Taxpayer Relief Act of 2012 - Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any end-of-the-session budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs, Low Income Home Energy Assistance, Weatherization, Elderly Housing and Transit/Transportation, Legal and Taxpayer Assistance, Consumer and Worker Protections and Postal Services.

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Responded to requests for comment with regard to Payday Lending, Mandatory Arbitration, "Larger Participants" (non-bank), and Bank Overdraft Fees. Lobbied against H.R. 3035 the "Mobile Informational Call Act". Responded to Consumer Financial Protection Bureau request for comment on "Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination. Responded to Consumer Financial Protection Bureau request for comment on Senior Financial Exploitation. Submitted comment letter to the CFPB on Integrated Mortgage Disclosure under RESPA and TILA Docket No. CFPB-2012-0028. Submitted comments to the CFPB on effective financial education, Docket No. CFPB 2012-0030.

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Submitted comments to HUD on proposed regulations on "Implementation of the Fair Housing Acts" Discriminatory Effects Standard". Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) H.R. 830, FHA Refinance Program Termination Act - Disucssed concerns over foreclosures and older homeowners. Discussed reverse mortgage issues including non-recourse loan issues. (no bill) Discussed mortgage finance market reform options. (no bill) Discussed draft legislation on accessibility standards for single-family homes. (no bill) H.R. 5972/S.2322, the Transportation, Housing and Urban Development Appropriations bill for FY 2013 - Lobbied to protect/enhance funding for elderly housing (Section 8 project-based and tenant-based rental assistance and Section 202 programs), elderly transit programs and to protect transportation enhancements. Responded to Consumer Financial Protection Bureau request for comment on "Information Regarding Consumer Use of Reverse Mortgages. Responded to Consumer Financial Protection Bureau request for comment on "High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homerownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)" Lobbied on expected "QM" safe harbor amendment. (The amendment was not offered) H.R. 8, the American Taxpayer Relief Act of 2012 - Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any end-of-the-session budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs, Low Income Home Energy Assistance, Weatherization, Elderly Housing and Transit/Transportation, Legal and Taxpayer Assistance, Consumer and Worker Protections and Postal Services.

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. H.R.677/S.267, the Lifetime Income Disclosure Act-Supported the original co-sponsors of the House and Senate versions of the Lifetime Income Disclosure Act. This legislation would provide individuals with a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. Discussed pending DOL and SEC regulations on the definition of a fiduciary. (no bill) H.R. 1125, Debt free America Act - Discussed legislation to repeal after 2021 the individual income tax, refundable and non-refundable personal tax credits, and the alternative minimum tax (AMT) on individuals and impose a 1% fee on bank transactions for debt reduction purposes. H.R.2940/S.1831, Parts of the JOBS Act Package - Lobbied and wrote a letter in opposition to pairing back Regulation D protections in stock offerings. H.R.2930/S.1970/S.1791, Parts of JOBS Act Package - Lobbied to restore consumer protections regarding "crowd funding" of initial public offerings (IPO's) that the bill curtailed. H.R. 3606, JOBS Act - Lobbied and wrote in support of the Reid/Levin/Landrieu amendment in the nature of a substitute, and in favor of the "crowd funding" amendment. Presented testimony and worked with Staff of the House Financial Services Subcommittee on Insurance, Housing and Community Opportunity, on Federal Housing Administration oversight of reverse mortgages. AARP seeks continuation of, and improvement to the program. (no bill) Discussed implications of H.R. 4624, the "Investment Advisor Oversight Act." Responded to SEC request for Comment on Financial Literacy and Disclosure. H.R. 6020/S.3301, Financial Services and General Government Appropriations Act for FY 2013 - Lobbied to protect new Consumer Financial Protection Bureau from annual appropriations scrutiny and to protect funding levels for SEC, CFTC, FTC and IRS Taxpayer Services programs. H.R. 4078, the Red Tape Reduction and Small Business Job Creation Act - sent letter to all members of the House opposing the title incorporating H.R. 2308, the SEC Regulatory Accountability Act. S. 3468, the Independent Agency Regulatory Analysis Act - Lobbied for Senate Homeland Security and Governmental Affairs Committee hearings and input from agencies before a committee mark up. Participated in August 1 roundtable at the Department of Treasury to discuss implementation of the JOBS Act. Wrote to the Securities and Exchange Commission recommending that they not move to an interim final rule on general solicitation and advertising under the JOBS Act without first receiving comment from the public. S. 3468, the "Independent Agency Regulatory Analysis Act," - Lobbied members of the Senate Homeland Security and Governmental Affairs Committee in opposition to the bill; discussed concerns with the bill and sent letter to members of the Homeland Security and Governmental Affairs Committee expressing concern with the bill. Submitted letter to the Securities and Exchange Commission expressing concern with proposed rulemaking on general solicitation and advertising in Rule 506 offerings under the JOBS Act. Discussed Dodd-Frank and JOBS Act implementation. H.R. 8, the American Taxpayer Relief Act of 2012 - Lobbied against inclusion of Social Security, Medicare and Medicaid legislation affecting benefit levels or service delivery in any end-of-the-session budget deal, and urged congress to not reduce spending levels below current services levels for various non-security discretionary programs, including Health Care (including Rx, medical research and premium support), Social Security (administrative expenses), Older Americans Act Supportive Service, Nutrition and Caregiver programs, Low Income Home Energy Assistance, Weatherization, Elderly Housing and Transit/Transportation, Legal and Taxpayer Assistance, Consumer and Worker Protections and Postal Services.

S. 163, Full Faith and Credit Act - Discussed AARP position on legislation and second degree amendment to the legislation. S.245, CAP Act of 2011 - Discussed our concerns and opposition to the legislation. H.Con.Res. 112 - Lobbied Congress against cuts to Social Security, Medicare and Medicaid in the Super Committee debate and where savings could be found without harming beneficiaries and protect discretionary services for vulnerable seniors. H.R.6020/S.3301, the Financial Services Appropriations bill for FY 2013 - Lobbied to oppose subjecting Consumer Finance Protection Bureau from annual appropriations oversight, increase/protect funding for the Taxpayer Counseling for the Elderly program, and to protect/increase SEC funding. H.R.5973/S.2375, the Agriculture Appropriations bill for FY 2013 - Lobbied to protect/increase Commodity Supplemental Food program funding. H.R.5325/S.2465, the Energy & Water Appropriations bill for FY 2013 - Lobbied to protect/increase funding for weatherization programs. H.R.5972/S.2322, the Transportation, Housing and Urban Development Appropriations bill for FY 2013 - Lobbied to protect/enhance funding for elderly housing (Section 8 project-based and tenant-base rental assistance and Section 202 programs), elderly transit programs and to protect transportation enhancements. S.3295, the Labor-HHS Appropriations bill for FY 2013 - Lobbied to protect/increase funding for the Social Security Administration, Older Americans Act nutrition, family caregiver & supportive services programs, low income home energy assistance (LIHEAP), and to protect funding for program authorized under the Affordable Care Act, including CMS State Health insurances exchanges, state survey & demonstrations and preventive health. Also lobbied Administration (HHS & OMB) to accelerate release of LIHEAP funding and to increase funding for SSA. H.R.5326/S.2323, the Commerce, Science and Justice Appropriations bill for FY 2013 - Lobbied to protect/enhance Equal Employment Opportunity Commission funding. H.R. 6091, Interior Appropriation Act for FY 2013 - Lobbied against inclusion of bill language limiting recovery of attorneys fees under Equal Access to Justice Act. Lobbied Congress against cuts to the Medicare program. (no bill)

Discussed demographics and priorities for AARP members and the 50+ population in general. (no bill) Lobbied supplemental poverty measure with House and Senate staff. (no bill) Discussed poverty and hunger issues. (no bill) Discussed SNAP. (no bill) Discussed increasing senior representation in CDC studies and supported public participation in samples.

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Responded to requests for comment with regard to Payday Lending, Mandatory Arbitration, "Larger Participants" (non-bank), and Bank Overdraft Fees. Lobbied against H.R. 3035 the "Mobile Informational Call Act". Responded to Consumer Financial Protection Bureau request for comment on "Procedural Rules to Establish Supervisory Authority over Certain Nonbank Covered Persons Based on Risk Determination. Responded to Consumer Financial Protection Bureau request for comment on Senior Financial Exploitation.

Discussed financial regulatory reforms, including consumer and investor protections. (no bill) Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. H.R.677/S.267, the Lifetime Income Disclosure Act-Supported the original co-sponsors of the House and Senate versions of the Lifetime Income Disclosure Act. This legislation would provide individuals with a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. Discussed pending DOL and SEC regulations on the definition of a fiduciary. (no bill) Consolidated Appropriations Act, FY 2012, H.R. 2055, H.R. 3671, H.R. 2017, Consolidated and Further Appropriations Continuing Appropriations Act, H.R. 2112. H.R. 1125, Debt free America Act - Discussed legislation to repeal after 2021 the individual income tax, refundable and non-refundable personal tax credits, and the alternative minimum tax (AMT) on individuals and impose a 1% fee on bank transactions for debt reduction purposes. H.R.2940/S.1831, Parts of the JOBS Act Package - Lobbied and wrote a letter in opposition to pairing back Regulation D protections in stock offerings. H.R.2930/S.1970/S.1791, Parts of JOBS Act Package - Lobbied to restore consumer protections regarding "crowd funding" of initial public offerings (IPO's) that the bill curtailed. H.R. 3606, JOBS Act - Lobbied and wrote in support of the Reid/Levin/Landrieu amendment in the nature of a substitute, and in favor of the "crowd funding" amendment. H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, Fitzpatrick Amendment No.1, 3/27/2012 - Lobbied to lift cap on number of loans authorized under Home Equity Conversion Mortgage (HECM) program. Presented testimony and worked with Staff of the House Financial Services Subcommittee on Insurance, Housing and Community Opportunity, on Federal Housing Administration oversight of reverse mortgages. AARP seeks continuation of, and improvement to the program. (no bill) Discussed implications of H.R. 4624, the "Investment Advisor Oversight Act." Responded to SEC request for Comment on Financial Literacy and Disclosure.

Discussed demographics and priorities for AARP members and the 50+ population in general. (no bill) Lobbied supplemental poverty measure with House and Senate staff. (no bill) Discussed poverty and hunger issues. (no bill) Discussed SNAP. (no bill) Discussed increasing senior representation in CDC studies and supported public participation in samples.

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Submitted comments to HUD on proposed regulations on "Implementation of the Fair Housing Acts" Discriminatory Effects Standard". Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) H.R. 830, FHA Refinance Program Termination Act - Disucssed concerns over foreclosures and older homeowners. Discussed reverse mortgage issues including non-recourse loan issues. (no bill) Discussed mortgage finance market reform options. (no bill) Discussed draft legislation on accessibility standards for single-family homes. (no bill) H.R. 5972/S.2322, the Transportation, Housing and Urban Development Appropriations bill for FY 2013 - Lobbied to protect/enhance funding for elderly housing (Section 8 project-based and tenant-based rental assistance and Section 202 programs), elderly transit programs and to protect transportation enhancements.

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Responded to requests for comment with regard to Payday Lending, Mandatory Arbitration, "Larger Participants" (non-bank), and Bank Overdraft Fees. Lobbied against H.R. 3035 the "Mobile Informational Call Act".

Discussed demographics and priorities for AARP members and the 50+ population in general. (no bill) Lobbied supplemental poverty measure with House and Senate staff. (no bill)

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Submitted comments to HUD on proposed regulations on "Implementation of the Fair Housing Acts" Discriminatory Effects Standard". Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) H.R. 830, FHA Refinance Program Termination Act - Disucssed concerns over foreclosures and older homeowners. Discussed reverse mortgage issues including non-recourse loan issues. (no bill) Discussed mortgage finance market reform options. (no bill) Discussed draft legislation on accessibility standards for single-family homes. (no bill) H.R. 4264, The FHA Emergency Fiscal Solvency Act of 2012, Fitzpatrick Amendment No. 1, 3/27/2012 - Lobbied to lift cap on number of loans authorized under Home Equity Conversion Mortgage (HECM) program.

S. 163, Full Faith and Credit Act - Discussed AARP position on legislation and second degree amendment to the legislation. S.245, CAP Act of 2011 - Discussed our concerns and opposition to the legislation. H.Con.Res. 112 - Lobbied Congress against cuts to Social Security, Medicare and Medicaid in the Super Committee debate and where savings could be found without harming beneficiaries.

Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. H.R.677/S.267, the Lifetime Income Disclosure Act-Supported the original co-sponsors of the House and Senate versions of the Lifetime Income Disclosure Act. This legislation would provide individuals with a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. Discussed pending DOL and SEC regulations on the definition of a fiduciary. (no bill) Opposed Regs. to implement Dodd/Frank (P.L. 111-203) with regard to preemption of state consumer protection laws and visitorial rights of state attorneys general. H.R. 1121, The Responsible Consumer Financial Protection Regulation Act of 2011 - Expressed opposition as it weakens the Consumer Financial Protection Bureau under Dodd/Frank. H.R. 1315, The Consumer Financial Protection Safety and Soundness Improvement Act of 2011 - Expressed opposition as it weakens the CFPB under Dodd/Frank. S.746, Dodd-Frank Repeal Act of 2011 - Expressed opposition as it would roll back funding and authority for the CFPB under Dodd/Frank. S.782, Economic Development Revitalization Act - Opposed Snowe amendment that would hamper regulation of small business (amendment defeated). Consolidated Appropriations Act, FY 2012, H.R. 2055, H.R. 3671, H.R. 2017, Consolidated and Further Appropriations Continuing Appropriations Act, H.R. 2112, Continuing Resolution, FY 2012, H.R. 2608 and H.J. Res. 79, 94 and 95 - Lobbied for funding for agencies and programs within the jurisdiction of the Financial Services & General Government Appropriations bill (H.R. 2434/S.1573), including the Consumer Financial Protection Bureau (opposed new funding restrictions and other CFPB-related changes to Dodd-Frank financial reform law) and the IRS (opposed funding restrictions to Affordable Care Act individual mandate). H.R. 2434/S. 1573, Financial Services and General Government Appropriations bill for FY 2012 - Lobbied House Appropriations Committee leadership in opposition to cap and other changes to Dodd-Frank. H.R. 1125, Debt free America Act - Discussed legislation to repeal after 2021 the individual income tax, refundable and non-refundable personal tax credits, and the alternative minimum tax (AMT) on individuals and impose a 1% fee on bank transactions for debt reduction purposes. Pub. Law 111-203, Dodd/Frank Wall Street Reform and Consumer Protection Act - Opposed H.R. 2308 the "SEC Regulatory Accountability Act" - Lobbied for Senate action to fill the position of the Consumer Financial Protection Bureau. Testified before the Senate Banking Subcommittee on Financial Institutions and Consumer Protection on financial security issues facing older Americans. Participated in meetings with Hill staff on range of bills affecting financial services regulation (including H.R. 3010, S. 1615 and S. 1606).

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Discussed Section 202 budget and restructuring proposals. (no bill) Consolidated Appropriations Act, FY 2012, H.R. 2055, H.R. 3671, H.R. 2017, Consolidated and Furhter Appropriations Continuing Appropriations Act, H.R. 2112, Continuing Resolution, FY 2012, H.R. 2608 and H.J. Res. 79, 94 and 95 - Lobbied for agencies and programs within the jurisdiction of the Transportation-HUD Appropriations bill (S. 1596), including rental assistance (tenant-and-project-based), Section 202 and Elderly Transit formula grants. Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) H.R. 830, FHA Refinance Program Termination Act - Disucssed concerns over foreclosures and older homeowners. Discussed reverse mortgage issues including non-recourse loan issues. (no bill) Discussed mortgage finance market reform options. (no bill) Discussed draft legislation on accessibility standards for single-family homes. (no bill)

Worked with Coalition to Influence Select Joint Budget Committee priorities. (no bill) Discussed debt ceiling and possible impact on Medicare, Medicaid, and Social Security. (no bill) S. 163, Full Faith and Credit Act - Discussed AARP position on legislation and second degree amendment to the legislation. S.245, CAP Act of 2011 - Discussed our concerns and opposition to the legislation. H.J. Res. 1/S.J. Res. 4 - Proposing a balanced budget to the Constitution - Discussed legislation. Consolidated Appropriations Act, FY 2012, H.R. 2055, H.R. 3671, H.R. 2017, Consolidated and Further Appropriations Continuing Appropriations Act, H.R. 2112, Continuing Resolution, FY 2012, H.R. 2608 and H.J. Res. 79, 94, and 95 - Lobbied for funding for agencies and programs within the jurisdiction of the Labor-HHS Appropriations bill (H.R. 3055/S. 1599), Financial Services and General Government Appropriations (H.R. 2434/S. 1573), Agriculture Appropriations (H.R. 2112, S. 1573), Transportation-HUD (S.1596), Commerce-Justice-Science (H.R. 2596, S. 1572). H.R. 2434/S. 1573 - Financial Services & General Appropriations bill for FY 2012 - Lobbied against language included in Subcommittee mark restricting funding of Consumer Finance Protection Bureau to $200 million and making new entity subject to appropriations. Sent letter to House Appropriations Committee leadership in opposition to cap and other changes to Dodd-Frank. S. 1599, Labor-Health & Human Services, Education and Related Agencies Appropriations bill for FY 2012 - Lobbied for funding for SSA Administration, Older Americans Act nutrition, health care delivery reform, CLASS, LIHEAP, Older Americans Act caregiver programs and Medicaid. H.Con. Res.34, H.R. 2560/S. 627/H.R. 2693/S. 365, Establishing the budget for the United States Government for fiscal year 2012 and setting forth appropriate budgetary levels for fiscal years 2013 through 2021 - Lobbied against House Concurrent Resolution on the Budget for Fiscal Year 2012. S.Con. Res. 18, President's FY 2012 Budget Resolution - A concurrent resolution setting forth the President's budget request for the Unites States Government for fiscal year 2012, and setting forth the appropriate budgetary levels for fiscal years 2013 through 2021. Lobbied against the budget proposal that would result in cuts to Medicare, Medicaid and Social Security. S.Con.Res. 21, A concurrent resolution setting forth the Congressional budget for the United States Government for fiscal year 2012 and setting forth the appropriate budgetary levels for fiscal years 2013 through 2021. Lobbied against the budget proposal that would result in cuts to Medicare, Medicaid and Social Security. S. Con.Res. 20, A concurrent resolution setting forth the Congressional budget for the United States Government for fiscal year 2012 and setting forth the appropriate budgetary levels for fiscal years 2013 through 2016. Lobbied against budget proposal that would result in cuts to Medicare, Medicaid and Social Security. PL. 111-148, Discussed continued funding for Patient Protection and Affordable Care Act provisions. S. 365, Budget Control Act - Lobbied Congress against cuts to Social Security, Medicare and Medicaid in the Super Committee debate and where savings could be found without harming beneficiaries.

Discussed demographics and priorities for AARP members and the 50+ population in general. (no bill)

Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Discussed draft legislation which would provide individuals a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. (no bill) H.R.677/S.267, the Lifetime Income Disclosure Act-Supported the original co-sponsors of the House and Senate versions of the Lifetime Income Disclosure Act. This legislation would provide individuals with a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. Discussed pending DOL and SEC regulations on the definition of a fiduciary. (no bill) Opposed Regs. to implement Dodd/Frank (P.L. 111-203) with regard to preemption of state consumer protection laws and visitorial rights of state attorneys general. H.R. 1121, The Responsible Consumer Financial Protection Regulation Act of 2011 - Expressed opposition as it weakens the Consumer Financial Protection Bureau under Dodd/Frank. H.R. 1315, The Consumer Financial Protection Safety and Soundness Improvement Act of 2011 - Expressed opposition as it weakens the CFPB under Dodd/Frank. S.746, Dodd-Frank Repeal Act of 2011 - Expressed opposition as it would roll back funding and authority for the CFPB under Dodd/Frank. S. 782, Economic Development Revitalization Act - Opposed Snowe amendment that would hamper regulation of small business (amendment defeated). Financial Services and General Government Appropriations bill for FY 2012 - Lobbied against language included in Subcommittee mark restricting funding of Consumer Finance Protection Bureau to $200 million and making new entity subject to appropriations. (no bill) H.R. 2434/S. 1573, Financial Services and General Government Appropriations bill for FY 2012 - Lobbied House Appropriations Committee leadership in opposition to cap and other changes to Dodd-Frank.

Worked with Coalition to Influence Select Joint Budget Committee priorities. (no bill) Discussed debt ceiling and possible impact on Medicare, Medicaid, and Social Security. (no bill) S. 163, Full Faith and Credit Act - Discussed AARP position on legislation and second degree amendment to the legislation. S.245, CAP Act of 2011 - Discussed our concerns and opposition to the legislation. H.J. Res. 1/S.J. Res. 4 - Proposing a balanced budget to the Constitution - Discussed legislation. H. R. 2112, Agriculture, Rural Development, FDA and Related Agencies Appropriations bill for FY 2012 - Lobbied for funding for Supplemental Food Assistance Program (SNAP) and Commodity Supplemental Food Program (CSFP). Sent letter in support of Richardson floor amendment to H.R. 2112 (H. Amdt. 434) to increase CSFP funding. H.R. 2434/S. 1573 - Financial Services & General Appropriations bill for FY 2012 - Lobbied against language included in Subcommittee mark restricting funding of Consumer Finance Protection Bureau to $200 million and making new entity subject to appropriations. Sent letter to House Appropriations Committee leadership in opposition to cap and other changes to Dodd-Frank. S. 1599, Labor-Health & Human Services, Education and Related Agencies Appropriations bill for FY 2012 - Lobbied for funding for SSA Administration, Older Americans Act nutrition, health care delivery reform, CLASS, LIHEAP, Older Americans Act caregiver programs and Medicaid. H.Con. Res.34, H.R. 2560/S. 627/H.R. 2693/S. 365, Establishing the budget for the United States Government for fiscal year 2012 and setting forth appropriate budgetary levels for fiscal years 2013 through 2021 - Lobbied against House Concurrent Resolution on the Budget for Fiscal Year 2012. S.Con. Res. 18, President's FY 2012 Budget Resolution - A concurrent resolution setting forth the President's budget request for the Unites States Government for fiscal year 2012, and setting forth the appropriate budgetary levels for fiscal years 2013 through 2021. Lobbied against the budget proposal that would result in cuts to Medicare, Medicaid and Social Security. S.Con.Res. 21, A concurrent resolution setting forth the Congressional budget for the United States Government for fiscal year 2012 and setting forth the appropriate budgetary levels for fiscal years 2013 through 2021. Lobbied against the budget proposal that would result in cuts to Medicare, Medicaid and Social Security. S. Con.Res. 20, A concurrent resolution setting forth the Congressional budget for the United States Government for fiscal year 2012 and setting forth the appropriate budgetary levels for fiscal years 2013 through 2016. Lobbied against budget proposal that would result in cuts to Medicare, Medicaid and Social Security. PL. 111-148, Discussed continued funding for Patient Protection and Affordable Care Act provisions. S. 365, Budget Control Act - Lobbied Congress against cuts to Social Security, Medicare and Medicaid in the debt ceiling debate.

Pub. Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. H.R. 2434, S. 1573, H.J. Res. 79, H.R. 2608, H.R. 2017, Financial Services & General Government Appropriations bill for FY 2012 - Lobbied against language included in Subcommittee mark restricting funding of Consumer Finance Protection Bureau to $200 million and making new entity subject to appropriations. Sent letter to House Appropriations Committee leadership in opposition to cap and other changes to Dodd-Frank.

Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Discussed draft legislation which would provide individuals a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. (no bill) H.R.677/S.267, the Lifetime Income Disclosure Act-Supported the original co-sponsors of the House and Senate versions of the Lifetime Income Disclosure Act. This legislation would provide individuals with a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. Discussed pending DOL and SEC regulations on the definition of a fiduciary. (no bill) Opposed Regs. to implement Dodd/Frank (P.L. 111-203) with regard to preemption of state consumer protection laws and visitorial rights of state attorneys general. H.R. 1121, The Responsible Consumer Financial Protection Regulation Act of 2011 - Expressed opposition as it weakens the Consumer Financial Protection Bureau under Dodd/Frank. H.R. 1315, The Consumer Financial Protection Safety and Soundness Improvement Act of 2011 - Expressed opposition as it weakens the CFPB under Dodd/Frank. S.746, Dodd-Frank Repeal Act of 2011 - Expressed opposition as it would roll back funding and authority for the CFPB under Dodd/Frank. S. 782, Economic Development Revitalization Act - Opposed Snowe amendment that would hamper regulation of small business (amendment defeated). Financial Services and General Government Appropriations bill for FY 2012 - Lobbied against language included in Subcommittee mark restricting funding of Consumer Finance Protection Bureau to $200 million and making new entity subject to appropriations. (no bill) H.R. 2434/S. 1573, Financial Services and General Government Appropriations bill for FY 2012 - Lobbied House Appropriations Committee leadership in opposition to cap and other changes to Dodd-Frank.

Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Discussed draft legislation which would provide individuals a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. (no bill) H.R.677/S.267, the Lifetime Income Disclosure Act-Supported the original co-sponsors of the House and Senate versions of the Lifetime Income Disclosure Act. This legislation would provide individuals with a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. Discussed pending DOL and SEC regulations on the definition of a fiduciary. (no bill) Opposed Regs. to implement Dodd/Frank (P.L. 111-203) with regard to preemption of state consumer protection laws and visitorial rights of state attorneys general. H.R. 1121, The Responsible Consumer Financial Protection Regulation Act of 2011 - Expressed opposition as it weakens the Consumer Financial Protection Bureau under Dodd/Frank. H.R. 1315, The Consumer Financial Protection Safety and Soundness Improvement Act of 2011 - Expressed opposition as it weakens the CFPB under Dodd/Frank. S.746, Dodd-Frank Repeal Act of 2011 - Expressed opposition as it would roll back funding and authority for the CFPB under Dodd/Frank. S. 782, Economic Development Revitalization Act - Opposed Snowe amendment that would hamper regulation of small business (amendment defeated). Financial Services and General Government Appropriations bill for FY 2012 - Lobbied against language included in Subcommittee mark restricting funding of Consumer Finance Protection Bureau to $200 million and making new entity subject to appropriations. (no bill) Lobbied House Appropriations Committee leadership in opposition to cap and other changes to Dodd-Frank. (no bill)

H.J. Res. 44, H.J. Res. 48, Continuing Appropriations Amendments, FY 2011 - Lobbied for funding for various federal programs serving Older Americans, most notably SSA Administrative expenses, LIHEAP, aging services, HECM reverse mortgage subsidy and Section 202, Housing for the Elderly. Discussed debt ceiling and possible impact on Medicare, Medicaid, and Social Security. (no bill) S. 163, Full Faith and Credit Act - Discussed AARP position on legislation and second degree amendment to the legislation. S.245, CAP Act of 2011 - Discussed our concerns and opposition to the legislation. H.J. Res. 1/S.J. Res. 4 - Proposing a balanced budget to the Constitution - Discussed legislation. H. R. 2112, Agriculture, Rural Development, FDA and Related Agencies Appropriations bill for FY 2012 - Lobbied for funding for Supplemental Food Assistance Program (SNAP) and Commodity Supplemental Food Program (CSFP). Sent letter in support of Richardson floor amendment to H.R. 2112 (H. Amdt. 434) to increase CSFP funding. Financial Services & General Appropriations bill for FY 2012 - Lobbied against language included in Subcommittee mark restricting funding of Consumer Finance Protection Bureau to $200 million and making new entity subject to appropriations. Sent letter to House Appropriations Committee leadership in opposition to cap and other changes to Dodd-Frank. (no bill) Labor-Health & Human Services, Education and Related Agencies Appropriations bill for FY 2012 - Lobbied for funding for SSA Administration, Older Americans Act nutrition, health care delivery reform, CLASS, LIHEAP, Older Americans Act caregiver programs and Medicaid. (no bill) H.Con. Res.34, Establishing the budget for the United States Government for fiscal year 2012 and setting forth appropriate budgetary levels for fiscal years 2013 through 2021 - Lobbied against House Concurrent Resolution on the Budget for Fiscal Year 2012. S.Con. Res. 18, President's FY 2012 Budget Resolution - A concurrent resolution setting forth the President's budget request for the Unites States Government for fiscal year 2012, and setting forth the appropriate budgetary levels for fiscal years 2013 through 2021. Lobbied against the budget proposal that would result in cuts to Medicare, Medicaid and Social Security. S.Con.Res. 21, A concurrent resolution setting forth the Congressional budget for the United States Government for fiscal year 2012 and setting forth the appropriate budgetary levels for fiscal years 2013 through 2021. Lobbied against the budget proposal that would result in cuts to Medicare, Medicaid and Social Security. S. Con.Res. 20, A concurrent resolution setting forth the Congressional budget for the United States Government for fiscal year 2012 and setting forth the appropriate budgetary levels for fiscal years 2013 through 2016. Lobbied against budget proposal that would result in cuts to Medicare, Medicaid and Social Security. PL. 111-148, Discussed continued funding for Patient Protection and Affordable Care Act provisions.

Pub.Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - Discussed implementation of legislation. Discussed assisted living housing. (no bill) Discussed Section 202 budget and restructuring proposals. (no bill) H.J. Res. 44, H.J. Res. 48, Continuing Appropriations Amendments, FY 2011 - Lobbied for funding for HECM reverse mortgage subsidy and public housing and Section 202, Housing for the Elderly programs. Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) P.L.111-372, Supportive Housing for the Elderly Act - Discussed enactment of legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding, and to modify The Assisted Living Conversion Program. H.R. 830, FHA Refinance Program Termination Act - Disucssed concerns over foreclosures and older homeowners. Discussed reverse mortgage issues including non-recourse loan issues. (no bill) Discussed mortgage finance market reform options. (no bill) Discussed draft legislation on accessibility standards for single-family homes. (no bill)

Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). H.R. 1984, 401(k) Fair Disclosure for Retirement Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 1988, Conflicted Investment Advice Prohibition Act of 2009 - Lobbied to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 2779, Defined Contribution Plan Fee Transparency Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 2989, 401(k) Fair Disclosure and Pension Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants and to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 3936 - Preserve Benefits and Jobs Acts of 2009 - Discussed need for pension funding relief in light of the combined impact of the U.S. recession and the funding requirements of the 2006 Pension Protection Act. S. 2832, Lifetime Income Disclosure Act - Lobbied in support of this legislation, which would provide individuals a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Discussed implementation of legislation. H.R. 4849, the Small Business and Infrastructure Jobs Tax Act of 2010 - Discussed the potential inclusion of 401(k) fee disclosure and pension funding relief provisions within the bill. Ultimately, these provisions were not included in the legislation. H.R. 4213, the American Jobs and Closing Tax Loopholes Act - Lobbied for the inclusion of 401(k) fee disclosure provisions within the House version of the legislation. Senate Substitute Amendment to H.R. 4213, the American Jobs and Closing Tax Loopholes Act - Lobbied for the inclusion of 401(k) fee disclosure provisions within the Senate version of the legislation. Discussed issues surrounding lifetime income products, such as annuities, and provided written testimony for the Senate Special Committee on Aging hearing entitled "The Retirement Challenge-Making Savings Last a Lifetime." (no bill)

H.R. 4173, the Wall Street Reform and consumer Protection Act of 2009 - Discussed implementation of legislation. S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding, and to modify The Assisted Living Conversion Program. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 3081, Continuing Resolution, FY 2011 - Lobbied for funding for HECM reverse mortgage subsidy and public housing and Section 202, Housing for the Elderly programs. H.R. 4868, The Housing Preservation and Tenant Protection Act of 2010- Discussed provisions regarding Sec. 202, Housing for the Elderly, and its assisted living conversion grant program, that prevents the loss of affordable housing dwelling units in the United States. H.R. 5814, Public Housing Reinvestment and Tenant Protection Act of 2010- Discussed creating a new assisted living/service enriched housing conversion grant program and pilot program for training public housing residents to be home health care providers. Discussed Federal Reserve Board proposed rules regarding Regulation Z requirements for reverse mortgages and consumer right of rescission. (no bill) Discussed mortgage finance market reform options. (no bill)

Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). H.R. 1984, 401(k) Fair Disclosure for Retirement Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 1988, Conflicted Investment Advice Prohibition Act of 2009 - Lobbied to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 2779, Defined Contribution Plan Fee Transparency Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 2989, 401(k) Fair Disclosure and Pension Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants and to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 3936 - Preserve Benefits and Jobs Acts of 2009 - Discussed need for pension funding relief in light of the combined impact of the U.S. recession and the funding requirements of the 2006 Pension Protection Act. S. 2832, Lifetime Income Disclosure Act - Lobbied in support of this legislation, which would provide individuals a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Discussed implementation of legislation. H.R. 4849, the Small Business and Infrastructure Jobs Tax Act of 2010 - Discussed the potential inclusion of 401(k) fee disclosure and pension funding relief provisions within the bill. Ultimately, these provisions were not included in the legislation. H.R. 4213, the American Jobs and Closing Tax Loopholes Act - Lobbied for the inclusion of 401(k) fee disclosure provisions within the House version of the legislation. Senate Substitute Amendment to H.R. 4213, the American Jobs and Closing Tax Loopholes Act - Lobbied for the inclusion of 401(k) fee disclosure provisions within the Senate version of the legislation. Discussed issues surrounding lifetime income products, such as annuities, and provided written testimony for the Senate Special Committee on Aging hearing entitled "The Retirement Challenge-Making Savings Last a Lifetime." (no bill)

Discussed priority issues for AARP.

H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies. H.R. 5809, the Safe Drug Disposal Act of 2010 -Would amend the Controlled Substances Act to provide for the take back and safe disposal of controlled substances. The bill provides for an educational effort about proper drug disposal, an EPA report on the same and a GAO report on the effectiveness of disposal programs. S. 3690, the Drug Safety and Accountability Act of 2010 - Requires drug manufacturers to implement quality management plans and document the manufacturing supply chain to ensure the quality and safety of drugs. The bill also would expand FDA authority to recall unsafe drugs, including over the counter drugs, and offers protection to whistle blowers. Restoring American Financial Stability Act of 2010 - Lobbied for support of the bill and to preserve consumer and investor protections, preserve states authority to enforce consumer protection laws and CFPA's authority to enforce rules it adopts. (no bill)

H.R.946/S.574 Plain Language Act - Discussed using plain language in financial disclosure. Discussed priority issues for AARP. H.R.2920 Statutory Pay-As-You-Go Act - Discussed potential impact of legislation on important programs affecting the elderly. Discussed proposal to create a House Special Committee on Aging to mirror the Senate Special Committee on Aging (no bill number). H.J. Res.45, Statutory Debt Limit - Lobbied to defeat the Conrad-Gregg amendment. Discussed President's Deficit Reduction Commission as it pertains to Social Security/retirement security. (no bill)

H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies. Restoring American Financial Stability Act of 2010 - Lobbied for support of the bill and to preserve consumer and investor protections, preserve states authority to enforce consumer protection laws and CFPA's authority to enforce rules it adopts. (no bill)

H.R. 4173, the Wall Street Reform and consumer Protection Act of 2009 - Discussed implementation of legislation. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding, and to modify The Assisted Living Conversion Program. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 5850/S. 3644, Transportation, HUD and related agencies appropriations bill for FY 2011 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. (no bill) H.R. 529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Department of Justice. Discussed proposed legislation to update program requirements and enhance consumer protections for borrowers of Home Equity Conversion Mortgages. (no bill) H.R. 3081, Continuing Resolution, FY 2011 - Lobbied for funding for HECM reverse mortgage subsidy and public housing and Section 202, Housing for the Elderly programs. H.R. 4868, The Housing Preservation and Tenant Protection Act of 2010- Discussed provisions regarding Sec. 202, Housing for the Elderly, and its assisted living conversion grant program, that prevents the loss of affordable housing dwelling units in the United States. H.R. 5814, Public Housing Reinvestment and Tenant Protection Act of 2010- Discussed creating a new assisted living/service enriched housing conversion grant program and pilot program for training public housing residents to be home health care providers. Fair Housing Act - Discussed potential introduction of an update to the Fair Housing Act. (no bill)

H.R. 3590, Patient Protection and Affordability Care Act - Lobbied in support of health care legislation and implementation of certain provisions related to affordable quality health care and expand access to long-term services and supports. H.R. 4872, Health Care and Education Reconciliation Act - Lobbied in support of health care law which makes improvements, such as closing the Part D coverage gap, in the Patient Protection and Affordable Care Act and implementation of certain provisions. H.R. 4757/S.3078 Health Insurance Rate Authority Act - Discussed bill that would require the Secretary of Health and Human Services (HHS) to establish a uniform process for the review of potentially unreasonable increases in rates for health insurance coverage, including premiums.

Discussed AARP's 2010 Advocacy Agenda with members of Congress and their staff. (No bill) H.R.946/S.574 Plain Language Act - Discussed using plain language in financial disclosure. H.R.2920 Statutory Pay-As-You-Go Act - Discussed potential impact of legislation on important programs affecting the elderly. Discussed proposal to create a House Special Committee on Aging to mirror the Senate Special Committee on Aging (no bill number). H.J. Res.45, Statutory Debt Limit - Lobbied to defeat the Conrad-Gregg amendment. Discussed President's Deficit Reduction Commission as it pertains to Social Security/retirement security. (no bill)

H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding, and to modify The Assisted Living Conversion Program. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). Transportation, HUD and related agencies appropriations bill for FY 2011 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. (no bill) H.R. 529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Department of Justice. Discussed proposed legislation to update program requirements and enhance consumer protections for borrowers of Home Equity Conversion Mortgages. (no bill)

H.R. 3590, Patient Protection and Affordability Care Act - Lobbied in support of health care legislation and implementation of certain provisions related to affordable quality health care and expand access to long-term services and supports. H.R. 4872, Health Care and Education Reconciliation Act - Lobbied in support of health care law which makes improvements, such as closing the Part D coverage gap, in the Patient Protection and Affordable Care Act and implementation of certain provisions. H.R. 4757/S.3078 Health Insurance Rate Authority Act - Discussed bill that would require the Secretary of Health and Human Services (HHS) to establish a uniform process for the review of potentially unreasonable increases in rates for health insurance coverage, including premiums.

Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). H.R. 1984, 401(k) Fair Disclosure for Retirement Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 1988, Conflicted Investment Advice Prohibition Act of 2009 - Lobbied to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 2779, Defined Contribution Plan Fee Transparency Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 2989, 401(k) Fair Disclosure and Pension Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants and to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 3936 - Preserve Benefits and Jobs Acts of 2009 - Discussed need for pension funding relief in light of the combined impact of the U.S. recession and the funding requirements of the 2006 Pension Protection Act. S. 2832, Lifetime Income Disclosure Act - Lobbied in support of this legislation, which would provide individuals a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, preserving states' authority to enforce consumer protection laws and CFPA's authority to enforce rules it adopts. H.R. 4849, the Small Business and Infrastructure Jobs Tax Act of 2010 - Discussed the potential inclusion of 401(k) fee disclosure and pension funding relief provisions within the bill. Ultimately, these provisions were not included in the legislation. H.R. 4213, the American Jobs and Closing Tax Loopholes Act - Lobbied for the inclusion of 401(k) fee disclosure provisions within the House version of the legislation. Senate Substitute Amendment to H.R. 4213, the American Jobs and Closing Tax Loopholes Act - Lobbied for the inclusion of 401(k) fee disclosure provisions within the Senate version of the legislation. Discussed issues surrounding lifetime income products, such as annuities, and provided written testimony for the Senate Special Committee on Aging hearing entitled "The Retirement Challenge-Making Savings Last a Lifetime." (no bill)

Discussed AARP's 2010 Advocacy Agenda with members of Congress and their staff. (No bill) H.R.946/S.574 Plain Language Act - Discussed using plain language in financial disclosure. H.R.2920 Statutory Pay-As-You-Go Act - Discussed potential impact of legislation on important programs affecting the elderly. Discussed proposal to create a House Special Committee on Aging to mirror the Senate Special Committee on Aging (no bill number). H.J. Res.45, Statutory Debt Limit - Lobbied to defeat the Conrad-Gregg amendment. Discussed President's Deficit Reduction Commission as it pertains to Social Security/retirement security. (no bill)

H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies. Restoring American Financial Stability Act of 2010 - Lobbied for support of the bill and to preserve consumer and investor protections, preserve states authority to enforce consumer protection laws and CFPA's authority to enforce rules it adopts. (no bill)

S.906/H.R. 3551, Senior Investment Protection Act - Lobbied to reduce fraudulent marketing materials of financial products. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies. Restoring American Financial Stability Act of 2010 - Lobbied for support of the bill and to preserve consumer and investor protections, preserve states authority to enforce consumer protection laws and CFPA's authority to enforce rules it adopts. (no bill)

Discussed AARP criteria for a federal role in the regulation of insurance.(no bill) H.R. 3590, Patient Protection and Affordability Care Act - Lobbied in support of health care legislation to reform the health care system to provide affordable quality health care and expand access to long-term services and supports. H.R. 3200, America's Affordable Health Choices Act/S. 1679, Americas Health Choices Act/S.1796, America's Healthy Future Act - Discussed need for affordable quality healthcare, delivery system reform, ending age discrimination in the health ending rating by health condition or any proxy, insurance industry, closing the doughnut hole, creating a pathway for generic biologics, allowing and funding states to provide home and community based services, creating a transitional benefit establishing CLASS program or other transitional care provisions in medicare and expanding the asset limit to qualify for low-income programs in medicare. H.R. 4872, Health Care and Education Reconciliation Act - Lobbied in support of health care legislation which makes improvements, such as closing the Part D coverage gap, in the Patient Protection and Affordable Care Act.

H.R. 946, the Plain Language Act of 2009-Lobbied for the use of plain language in communications between the federal government and the public. Discussed suitability of sale of annuities (no bill). H.R. 1705/S. 566, the Financial Product Safety Commission of Act of 2009 - Lobbied for support for the bills. Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). H.R. 3126, the Consumer Financial Protection Agency Act of 2009 - Lobbied to preserve states' authority to adopt and apply consumer protection laws, preserve state Attorney Generals' authority to enforce consumer protection laws, and preserve CFPA's authority to endorce rules it adopts. H.R. 1984, 401(k) Fair Disclosure for Retirement Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 1988, Conflicted Investment Advice Prohibition Act of 2009 - Lobbied to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 2779, Defined Contribution Plan Fee Transparency Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 2989, 401(k) Fair Disclosure and Pension Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants and to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 3936 - Preserve Benefits and Jobs Acts of 2009 - Discussed need for pension funding relief in light of the combined impact of the U.S. recession and the funding requirements of the 2006 Pension Protection Act. S. 2832, Lifetime Income Disclosure Act - Lobbied in support of this legislation, which would provide individuals a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies. H.R. 4849, the Small Business and Infrastructure Jobs Tax Act of 2010 - Discussed the potential inclusion of 401(k) fee disclosure and pension funding relief provisions within the bill. Ultimately, these provisions were not included in the legislation. Restoring American Financial Stability Act of 2010 - Lobbied for support of the bill and to preserve consumer and investor protections, preserve states authority to enforce consumer protection laws and CFPA's authority to enforce rules it adopts.

Discussed AARP's 2010 Advocacy Agenda with members of Congress and their staff. (No bill) H.R.946/S.574 Plain Language Act - Discussed using plain language in financial disclosure. H.R.2920 Statutory Pay-As-You-Go Act - Discussed potential impact of legislation on important programs affecting the elderly. Discussed proposal to create a House Special Committee on Aging to mirror the Senate Special Committee on Aging (no bill number). H.J. Res.45, Statutory Debt Limit - Lobbied to defeat the Conrad-Gregg amendment.

H. R. 1728, Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care Standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). Transportation, HUD and related agencies appropriations bill for FY 2011 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. (no bill) H.R. 529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Department of Justice. Disucssed proposed legislation to update program requirements and enhance consumer protections fore borrowers of Home Equity conversion Mortgages (no bill).

Lobbied for introduction of legislation that would end the age cap in the earned income tax credit. (no bill) Discussed Auto-IRA, a bill that would require an automatic workplace retirement savings plan for an estimated 50 million employees; legislation that would end the age cap in the earned income tax credit; legislation that would expand the savers credit so that more modest income individuals can benefit from it; and on the inappropriate application of withholding tables that implement Make Work Pay to pension and other retirement income. (no bill) Discussed income weatherization; modernizing the poverty measure; and modernizing the asset tests that are used to determine eligibility for federal benefits. (no bill) Discussed tax assistance funding. (no bill) S. 434, Empowerment at Home Act (includes caregiver tax credit) - Discussed tax credits for caregivers. H.R.1159 - To amend the Internal Revenue code of 1989 to provide special rules for investments lost in a fraudulent Ponzi-type scheme. Discussed legislation to grant tax relief to victims of Ponzi-type schemes. H.R. 4213, the Tax Extenders Act of 2009 - Advocated for the adoption of the Sanders Amendment (S.AMDT.3353) to provide an emergency benefit of $250 to seniors, veterans and persons with disabilities in 2010 to compensate for the lact of cost-of-living adjustment for such year. H.R. 4849, the Small Business and Infrastructure Jobs Tax Act of 2010 - Discussed the potential inclusion of 401(k) fee disclosure and pension funding relief provisions within the bill. Ultimately, these provisions were not included in the legislation.

H. R. 1728, Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care Standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). Transportation, HUD and related agencies appropriations bill for FY 2011 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. (no bill) H.R. 529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Department of Justice. Disucssed proposed legislation to update program requirements and enhance consumer protections fore borrowers of Home Equity conversion Mortgages (no bill).

H.R. 946, the Plain Language Act of 2009-Lobbied for the use of plain language in communications between the federal government and the public. Discussed suitability of sale of annuities (no bill). H.R. 1705/S. 566, the Financial Product Safety Commission of Act of 2009 - Lobbied for support for the bills. Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). H.R. 3126, the Consumer Financial Protection Agency Act of 2009 - Lobbied to preserve states' authority to adopt and apply consumer protection laws, preserve state Attorney Generals' authority to enforce consumer protection laws, and preserve CFPA's authority to endorce rules it adopts. H.R. 1984, 401(k) Fair Disclosure for Retirement Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 1988, Conflicted Investment Advice Prohibition Act of 2009 - Lobbied to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 2779, Defined Contribution Plan Fee Transparency Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 2989, 401(k) Fair Disclosure and Pension Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants and to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 3936 - Preserve Benefits and Jobs Acts of 2009 - Discussed need for pension funding relief in light of the combined impact of the U.S. recession and the funding requirements of the 2006 Pension Protection Act. S. 2832, Lifetime Income Disclosure Act - Lobbied in support of this legislation, which would provide individuals a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive a lifetime annuity. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies. H.R. 4849, the Small Business and Infrastructure Jobs Tax Act of 2010 - Discussed the potential inclusion of 401(k) fee disclosure and pension funding relief provisions within the bill. Ultimately, these provisions were not included in the legislation. Restoring American Financial Stability Act of 2010 - Lobbied for support of the bill and to preserve consumer and investor protections, preserve states authority to enforce consumer protection laws and CFPA's authority to enforce rules it adopts.

S.906/H.R. 3551, Senior Investment Protection Act - Lobbied to reduce fraudulent marketing materials of financial products. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies. Restoring American Financial Stability Act of 2010 - Lobbied for support of the bill and to preserve consumer and investor protections, preserve states authority to enforce consumer protection laws and CFPA's authority to enforce rules it adopts. (no bill)

S.61, Helping Families Save Their Homes in Bankruptcy Act of 2009, S.896, Helping Families Save Their Homes Act of 2009 - Discussed legislation to amend the Bankruptcy Code to permit changes in the terms of mortgages for a debtor's primary residence in Chapter 13 proceedings. H.R. 1728 Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. S. 117 Forclosure Rescue Fraud Act of 2009 - Discussed legislation to protect homeowners facing foreclosure from foreclosure consultant frauds that result in excessive fees, shifting of ownership or liens in a home, or other loss to the homeowner. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 3288, Transportation, HUD and related agencies appropriations bill for FY 2010 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. H.R.529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Deaprtment of Justice. Discussed proposed legislation to update program requirements and enhance consumer protections for borrowers of Home Equity conversion Mortgages (no bill).

Lobbied for introduction of legislation that would end the age cap in the earned income tax credit. (no bill) Discussed Auto-IRA, a bill that would require an automatic workplace retirement savings plan for an estimated 50 million employees; legislation that would end the age cap in the earned income tax credit; legislation that would expand the savers credit so that more modest income individuals can benefit from it; and on the inappropriate application of withholding tables that implement Make Work Pay to pension and other retirement income. (no bill) Discussed income weatherization; modernizing the poverty measure; and modernizing the asset tests that are used to determine eligibility for federal benefits. (no bill) Discussed tax assistance funding. (no bill) S. 434, Empowerment at Home Act (includes caregiver tax credit) - Discussed tax credits for caregivers. H.R.3170/S.1432 Financial Services and General Government Appropriations bill for FY 2010 - Lobbied for funding for the IRS Tax Counseling for the Elderly and other taxpayer assistance programs. H.R.1159 - To amend the Internal Revenue code of 1989 to provide special rules for investments lost in a fraudulent Ponzi-type scheme. Discussed legislation to grant tax relief to victims of Ponzi-type schemes.

Discussed AARP's 2009 Advocacy Agenda with members of Congress and their staff. (No bill) H.R.946/S.574 Plain Language Act - Discussed using plain language in financial disclosure H.R.2847 Commerce, Justice, Science Appropriations bill for FY 2010-Lobbied in support of funding for various agencies with bill's jurisdiction, including the Legal Services Corporation, Census Bureau, and the Telecommunications and Information Administration (DTV converter box coupon and outreach services). H.R.2920 Statutory Pay-As-You-Go Act - Discussed legislation. Discussed proposal to create a House Special Committee on Aging to mirror the Senate Special Committee on Aging (no bill number).

S.906/H.R. 3551, Senior Investment Protection Act - Lobbied to reduce fraudulent marketing materials of financial products. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies.

S.906/H.R. 3551, Senior Investment Protection Act - Lobbied to reduce fraudulent marketing materials of financial products. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies.

H.R. 946, the Plain Language Act of 2009-Lobbied for the use of plain language in communications between the federal government and the public. Discussed suitability of sale of annuities (no bill). H.R. 1705/S. 566, the Financial Product Safety Commission of Act of 2009 - Lobbied for support for the bills. Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). H.R. 3126, the Consumer Financial Protection Agency Act of 2009 - Lobbied to preserve states' authority to adopt and apply consumer protection laws, preserve state Attorney Generals' authority to enforce consumer protection laws, and preserve CFPA's authority to endorce rules it adopts. H.R. 1984, 401(k) Fair Disclosure for Retirement Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 1988, Conflicted Investment Advice Prohibition Act of 2009 - Lobbied to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 2779, Defined contribution Plan Fee Transparency Act of 2009 - Lobbied increased transparency of 401(k) fees paid for by plan participants. H.R. 2989, 401(k) Fair Disclosure and Pension Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants and to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 3936 - Preserve Benefits and Jobs Acts of 2009 - Discussed the implications of this legislation pertaining to pension funding relief in light of the combined impact of the U.S. recession and the funding requirements of the 2006 Pension Protection Act. S. 2832, Lifetime Income Disclosure Act - Wrote letter of support for this legislation, which would provide individuals a better understanding of the lifetime value of their 401(k) plan assets by including in a yearly benefit statement a conversion of their total accrued benefits into a monthly dollar amount as if they had opted to receive lifetime annuity. H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 - Lobbied in favor of financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies.

S.61, Helping Families Save Their Homes in Bankruptcy Act of 2009, S.896, Helping Families Save Their Homes Act of 2009 - Discussed legislation to amend the Bankruptcy Code to permit changes in the terms of mortgages for a debtor's primary residence in Chapter 13 proceedings. H.R. 1728 Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. S. 117 Forclosure Rescue Fraud Act of 2009 - Discussed legislation to protect homeowners facing foreclosure from foreclosure consultant frauds that result in excessive fees, shifting of ownership or liens in a home, or other loss to the homeowner. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 3288, Transportation, HUD and related agencies appropriations bill for FY 2010 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. H.R.529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Deaprtment of Justice. Discussed proposed legislation to update program requirements and enhance consumer protections for borrowers of Home Equity conversion Mortgages (no bill).

Lobbied for introduction of legislation that would end the age cap in the earned income tax credit. (no bill) Discussed Auto-IRA, a bill that would require an automatic workplace retirement savings plan for an estimated 50 million employees; legislation that would end the age cap in the earned income tax credit; legislation that would expand the savers credit so that more modest income individuals can benefit from it; and on the inappropriate application of withholding tables that implement Make Work Pay to pension and other retirement income. (no bill) Discussed income weatherization; modernizing the poverty measure; and modernizing the asset tests that are used to determine eligibility for federal benefits. (no bill) Discussed tax assistance funding. (no bill) S. 434, Empowerment at Home Act (includes caregiver tax credit) - Discussed tax credits for caregivers. H.R.3170/S.1432 Financial Services and General Government Appropriations bill for FY 2010 - Lobbied for funding for the IRS Tax Counseling for the Elderly and other taxpayer assistance programs. H.R.1159 - To amend the Internal Revenue code of 1989 to provide special rules for investments lost in a fraudulent Ponzi-type scheme. Discussed legislation to grant tax relief to victims of Ponzi-type schemes.

H.R. 946, the Plain Language Act of 2009-Lobbied for the use of plain language in communications between the federal government and the public. Discussed suitability of sale of annuities (no bill). H.R. 1705/S. 566, the Financial Product Safety Commission of Act of 2009 - Lobbied for support for the bills. Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). AARP testified at a joint hearing of the Department of Labor and the Securities and Exchange Commission on the target date funds (no bill). H.R. 3126, the Consumer Financial Protection Agency Act of 2009 - Lobbied to preserve states' authority to adopt and apply consumer protection laws, preserve state Attorney Generals' authority to enforce consumer protection laws, and preserve CFPA's authority to endorce rules it adopts. H.R. 1984, 401(k) Fair Disclosure for Retirement Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 1988, Conflicted Investment Advice Prohibition Act of 2009 - Lobbied to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 2779, Defined contribution Plan Fee Transparency Act of 2009 - Lobbied increased transparency of 401(k) fees paid for by plan participants. H.R. 2989, 401(k) Fair Disclosure and Pension Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants and to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests.

Discussed AARP criteria for a federal role in the regulation of insurance.(no bill) H.R. 3200 America's Affordable Health Choices Act/S. 1679, Americas Health Choices Act, America's Healthy Future Act (no Senate bill)- Discussed need for affordable quality healthcare, delivery system reform, ending age discrimination in the health insurance industry, closing the doughnut hole, creating a pathway for generic biologics, allowing and funding states to provide home and community based services, creating a transitional benefit in medicare and expanding the asset limit to qualify for low-income programs in medicare.

Lobbied for introduction of legislation that would end the age cap in the earned income tax credit. (no bill) Discussed Auto-IRA, a bill that would require an automatic workplace retirement savings plan for an estimated 50 million employees; legislation that would end the age cap in the earned income tax credit; legislation that would expand the savers credit so that more modest income individuals can benefit from it; and on the inappropriate application of withholding table s that implement Make Work Pay to pension and other retirement income. (no bill) Income weatherization; modernizing the poverty measure; and modernizing the asset tests that are used to determine eligibility for federal benefits. (no bill) Discussed tax assistance funding. (no bill) Discussed tax credits for caregivers. (no bill) H.R.3170/S.1432 Financial Services and General Government Appropriations bill for FY 2010 - Lobbied for funding for the IRS Tax Counseling for the Elderly and other taxpayer assistance programs. H.R.1159 - To amend the Internal Revenue code of 1989 to provide special rules for investments lost in a fraudulent Ponzi-type scheme. Discussed legislation to grant tax relief to victims of Ponzi-type schemes.

Discussed AARP's 2009 Advocacy Agenda with members of Congress and their staff. (No bill) H.R.946/S.574 Plain Language Act - Discussed using plain language in financial disclosure H.R.2847 Commerce, Justice, Science Appropriations bill for FY 2010-Lobbied in support of funding for various agencies with bill's jurisdiction, including the Legal Services Corporation, Census Bureau, and the Telecommunications and Information Administration (DTV converter box coupon and outreach services). H.R.2920 Statutory Pay-As-You-Go Act - Discussed legislation.

S.906/H.R. 3551, Senior Investment Protection Act - Lobbied to reduce fraudulent marketing materials of financial products.

S.906/H.R. 3551, Senior Investment Protection Act - Lobbied to reduce fraudulent marketing materials of financial products.

S.61, Helping Families Save Their Homes in Bankruptcy Act of 2009, S.896, Helping Families Save Their Homes Act of 2009 - Discussed legislation to amend the Bankruptcy Code to permit changes in the terms of mortgages for a debtor's primary residence in Chapter 13 proceedings. H.R. 1728 Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. S. 117 Forclosure Rescue Fraud Act of 2009 - Discussed legislation to protect homeowners facing foreclosure from foreclosure consultant frauds that result in excessive fees, shifting of ownership or liens in a home, or other loss to the homeowner. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). H.R. 3288, Transportation, HUD and related agencies appropriations bill for FY 2010 - Lobbied for HECM credit subsidy, senior housing construction and rental assistance, and senior transit programs. H.R.529/S.365, Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Deaprtment of Justice. Discussed proposed legislation by Sen. McCaskill to update program requirements and enhance consumer protections for borrowers of Home Equity conversion Mortgages (no bill).

Discussed AARP criteria for a federal role in the regulation of insurance.(no bill) H.R. 3200 America's Affordable Health Choices Act/S. 1679, Americas Health Choices Act, America's Healthy Future Act (no Senate bill)- Discussed need for affordable quality healthcare, delivery system reform, ending age discrimination in the health insurance industry, closing the doughnut hole, creating a pathway for generic biologics, allowing and funding states to provide home and community based services, creating a transitional benefit in medicare and expanding the asset limit to qualify for low-income programs in medicare.

H.R. 946, the Plain Language Act of 2009-Lobbied for the use of plain language in communications between the federal government and the public. Discussed suitability of sale of annuities (no bill). H.R. 1705/S. 566, the Financial Product Safety Commission of Act of 2009 - Lobbied for support for the bills. Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). AARP testified at a joint hearing of the Department of Labor and the Securities and Exchange Commission on the target date funds (no bill). H.R. 3126, the Consumer Financial Protection Agency Act of 2009 - Lobbied to preserve states' authority to adopt and apply consumer protection laws, preserve state Attorney Generals' authority to enforce consumer protection laws, and preserve CFPA's authority to endorce rules it adopts. H.R. 1984, 401(k) Fair Disclosure for Retirement Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants. H.R. 1988, Conflicted Investment Advice Prohibition Act of 2009 - Lobbied to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests. H.R. 2779, Defined contribution Plan Fee Transparency Act of 2009 - Lobbied increased transparency of 401(k) fees paid for by plan participants. H.R. 2989, 401(k) Fair Disclosure and Pension Security Act of 2009 - Lobbied for increased transparency of 401(k) fees paid for by plan participants and to ensure that individually directed account plan participants received investment advice from qualified advisors who are free from financial conflicts of interests.

S.61, Helping Families Save Their Homes in Bankruptcy Act of 2009, S.896, Helping Families Save Their Homes Act of 2009 - Discussed legislation to amend the Bankruptcy Code to permit changes in the terms of mortgages for a debtor's primary residence in Chapter 13 proceedings. H.R. 1728 Mortgage Reform and Anti-Predatory Lending Act - Discussed proposed Duty of Care standards for mortgage originators, the adequacy of proposed enforcement and the need for, and applicability of such standards for reverse mortgages. Discussed legislation to be introduced to enhance current protections for borrowers and prospective borrowers of FHA-insured Home Equity Conversion Mortgages (HECM) and provide for new disclosure, marketing and underwriting standards for non-HECM reverse mortgages. (no bill) S. 118 Supportive Housing for the Elderly Act - Discussed legislation to provide for rehabilitation of existing rental housing units constructed under the HUD Section 202 housing program and to allow greater flexibility in combining HUD rehabilitation funding with other sources of funding. S. 117 Forclosure Rescue Fraud Act of 2009 - Discussed legislation to protect homeowners facing foreclosure from foreclosure consultant frauds that result in excessive fees, shifting of ownership or liens in a home, or other loss to the homeowner. H.R. 1408 Inclusive Home Design Act of 2009 - Discussed legislation to require all newly constructed and federally-assisted single-family house to meet minimum standards of accessibility and visitability by persons with disabilities. Home Equity Conversion Mortgage Program Amendments - Discussed draft amendments to upcoming housing legislation to change calculation of premium costs relating to reverse mortgages for manufactured housing units on fixed foundations under HUD's Home Equity Conversion Mortgage program (no bill). Discussed funding requirements resulting from projected housing value declines (no bill) (Transportation, HUD and related agencies appropriations bill for FY 2010.) H.R.529 Nationwide Mortgage Fraud Taskforce Act of 2009 - Discussed establishing taskforce in Deaprtment of Justice

H.R. 946, the Plain Language Act of 2009-Lobbied for the use of plain language in communications between the federal government and the public. Discussed suitability of sale of annuities (no bill). H.R. 1705/S. 566, the Financial Product Safety Commission of Act of 2009 - Lobbied for support for the bills. Discussed financial regulatory reforms, including consumer and investor protections, a potential systemic risk regulator, and consolidation of agencies (no bill). AARP testified at a joint hearing of the Department of Labor and the Securities and Exchange Commission on the target date funds (no bill).

Discussed AARP criteria for a federal role in the regulation of insurance.(no bill)