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LOBBYING REPORT |
Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page
2. Address
Address1 | 910 17TH STREET, NW, #500 |
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City | WASHINGTON |
State | DC |
Zip Code | 20006 |
Country | USA |
3. Principal place of business (if different than line 2)
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5. Senate ID# 283630-12
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6. House ID# 368350000
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TYPE OF REPORT | 8. Year | 2013 |
Q1 (1/1 - 3/31) | Q2 (4/1 - 6/30) | Q3 (7/1 - 9/30) | Q4 (10/1 - 12/31) |
9. Check if this filing amends a previously filed version of this report
10. Check if this is a Termination Report | Termination Date | |
11. No Lobbying Issue Activity |
INCOME OR EXPENSES - YOU MUST complete either Line 12 or Line 13 | |||||||||
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12. Lobbying | 13. Organizations | ||||||||
INCOME relating to lobbying activities for this reporting period was: | EXPENSE relating to lobbying activities for this reporting period were: | ||||||||
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Provide a good faith estimate, rounded to the nearest $10,000, of all lobbying related income for the client (including all payments to the registrant by any other entity for lobbying activities on behalf of the client). | 14. REPORTING Check box to indicate expense accounting method. See instructions for description of options. | ||||||||
Method A.
Reporting amounts using LDA definitions only
Method B. Reporting amounts under section 6033(b)(8) of the Internal Revenue Code Method C. Reporting amounts under section 162(e) of the Internal Revenue Code |
Signature | Digitally Signed By: Michael D. Calhoun, President |
Date | 07/22/2013 |
LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.
15. General issue area code BAN
16. Specific lobbying issues
Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page]
[continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures)
Specific legislation that was the subject of lobbying activity:
S.Con.Res. 8 (to oppose amendments that would cripple the regulatory process and weaken important public protections)
S. 222 (to allow for voluntary loss mitigation program in bankruptcy)
S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law).
S. 489 (to require minimum mortgage servicing standards)
S. 527 (to continue HAMP)
S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)
S. 690 (to create an Office of the Homeowner Advocate)
S. 737 (to keep current regulatory structure of CFPB)
S. 824 (to require minimum mortgage servicing standards)
S. 967 (to require minimum mortgage servicing standards)
S. 1054 (to ensure that the bankruptcy process is fair for consumers)
S. 1217 (to provide secondary mortgage market reform, and for other purposes)
S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance)
S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators)
S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families)
S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes)
S. 2072 (a bill to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners)
S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes)
S. 3085 (a bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.)
S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members)
S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit)
S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions).
S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies)
S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC )
S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule)
S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes)
H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law).
H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities)
H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes).
H.R. 830 (to continue to FHA short refinance program)
H.R. 836 (to continue the Emergency Homeowner Relief Program)
H.R. 839 (to continue the Home Affordable Mortgage Program)
H.R. 861 (to continue NSP)
H.R. 1077 (to oppose amending the Truth in Lending Act's definitions of points and fees in connection with a mortgage transaction)
H.R. 1121 (to keep current regulatory structure of CFPB)
H.R. 1221-1227 (to ensure that there is a secondary market to serve low- and moderate-income communities)
H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes)
H.R. 1315 (to keep current FSOC veto authority structure in CFPB)
H.R. 1355 (to maintain the current CFPB regulatory structure and funding system)
H.R. 1477 (to require minimum mortgage servicing standards)
H.R. 1553 (to improve the examination of depository institutions, and for other purposes)
H.R. 1567 (to require minimum mortgage servicing standards)
H.R. 1677 (to keep the current CFPB transfer date in place)
H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010)
H.R. 1783 (to require minimum mortgage servicing standards)
H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies)
H.R. 2081 (to keep the current CFPB regulatory structure)
H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents)
H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers)
H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes)
H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system)
[continued from previous page]
H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtness on principal residences from gross income, and for other purposes)
H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purpo
H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents)
H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction)
H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions).
H.R. 6139 (to oppose federal chartering of national consumer credit corporations)
BILLS UNDER DISCUSSION/NOT YET INTRODUCED
Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities)
Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees)
Senate legislation to address abusive payday lending practices
Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages
House legislation to "Protect American Taxpayers and Homeowners by Creating a Sustainable Housing Finance System"
House legislation on debit cards (to ensure there are fair consumer protections for debit card users)
Executive branch agencies and issues:
Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage
Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules, payday lendings impact on Community Reinvestment Act evaluations
Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules
Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review
FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards
National Credit Union Administration -- regulation of credit union service organizations, payday lending, payday alternative loans
Federal Trade Commission -- auto financing
HUD -- GSE reform, risk retention rules, mortgage origination rules
White House -- foreclosure prevention, risk retention rules, mortgage refinance
Federal Housing Finance Administration -- foreclosure prevention, servicing standards
17. House(s) of Congress and Federal agencies Check if None
U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Federal Deposit Insurance Commission (FDIC), Federal Reserve System, Treasury - Dept of, Office of the Comptroller of the Currency (OCC), White House Office, Federal Trade Commission (FTC), Housing & Urban Development - Dept of (HUD), Natl Credit Union Administration (NCUA), Federal Housing Finance Board (FHFB)
18. Name of each individual who acted as a lobbyist in this issue area
First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
Ken |
Edwards |
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Gary |
Kalman |
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19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None
Information Update Page - Complete ONLY where registration information has changed.
20. Client new address
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21. Client new principal place of business (if different than line 20)
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22. New General description of client’s business or activities
LOBBYIST UPDATE
23. Name of each previously reported individual who is no longer expected to act as a lobbyist for the client
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ISSUE UPDATE
24. General lobbying issue that no longer pertains
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AFFILIATED ORGANIZATIONS
25. Add the following affiliated organization(s)
Internet Address:
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26. Name of each previously reported organization that is no longer affiliated with the registrant or client
1 | 2 | 3 |
FOREIGN ENTITIES
27. Add the following foreign entities:
Name | Address |
Principal place of business (city and state or country) |
Amount of contribution for lobbying activities | Ownership percentage in client | ||||||||||
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28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization
1 | 3 | 5 |
2 | 4 | 6 |