Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page

9. Check if this filing amends a previously filed version of this report

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

Issues related to credit union operations
Issues related to credit union field of membership
Issues related to credit union service organizations
Issues related to vacancies on the National Credit Union Administration (NCUA) Board
Issues related to NCUAs low income designation regulations
Issues related to NCUA examination procedures
Issues related to NCUAs regulation regarding its regulatory flexibility program
Issues related to NCUAs proposed rule regarding emergency liquidity
Issues related to NCUAs rulemaking process
Issues related to material loss reports of the NCUA Office of Inspector General
Issues related to the authority of the CFPB to exempt credit unions from its rulemaking
Issues related to the CFPB proposal related to remittances and international wire transfers
Issues related to the proposed CFPB form on RESPA/TILA
Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director
Issues related to funding the CFPB through the Appropriations Process
Issues related to increasing the CFPB Examination Threshold
Issues related to conducting a cost-benefit analysis of all CFPB Proposals
Issues related to codifying the CFPBs Credit Union Advisory Council
Issues related to requiring SBREFA Panels for CFPB Rulemakings
Issues related to standardizing the definition of mortgage originator
Issues related to overdraft protection and check ordering practices
Issues related to mortgage servicing
Issues related to mortgage loan originator compensation and qualifications
Issues related to high-cost mortgage loans (HOEPA)
Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay
Issues related to reverse mortgages
Issues related to the Financial Accounting Standards Board (FASB)
Issues related to mark-to-market accounting
Issues related to private equity standards
Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act
Issues related to data and cyber security
Issues related to mobile banking and mobile payments
Issues related to the oversight of the Federal Housing Administration
Issues related to USDA Rural Development Loan program
Issues related to identity theft and fraud reduction
Issues related to student lending
Issues related to the Federal Home Loan Bank System
Issues related to short term lending products and advance deposit products
Issues related to patent reform
Issues related to Federal Credit Union bylaws
Issues relating to home-based credit unions
Issues related to NCUAs risk-based capital proposal
Issues related to NCUAs proposed rule on securitization
Issues related to NCUAs regulatory review process
Issues related to credit union loan maturity restrictions
Issues related to credit union investment authority
Issues related to Regulation of Federal Credit Union by-laws
Issues related to credit unions incidental powers
Issues related to credit unions ability to offer prepaid cards
Issues related to Ginnie Mae capital
Issues related to credit union service to marijuana businesses
Issues related to financial literacy
Issues related to the Department of Justices investigation entitled, Operation Choke Point
Issues related to membership eligibility in the Federal Home Loan Bank System.
Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA
Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process
Issues related to indirect auto lending
Issues related to fixed assets
Issues related to merchant data breaches
Issues related to the payments system
Issues related to FHFA proposed rules and FHLB eligibility for credit unions
Issues related to Federal Reserve Regulatory D
Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans
Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans
Issues related to Housing Finance Reform
Issues related to the implementation of the remittances provisions in the Dodd-Frank Act
Issues related to NCUAs proposal rule on Member Business Lending
Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA)
Issues related to credit union service to unbanked and underbanked consumers
Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services
Issues related to the Feds implementation of same-day ACH
Issues related to the regulation of corporate credit unions
Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C)
Issues related to the payday, vehicle title, and similar lending
Issues related to the CFPBs consumer complaint database
Issues related to NCUAs Fixed Assets rule
Issues related to NCUAs definition of small entity
Issues related to NCUA's Proposed Rule on Member Business Lending
Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary
Issues related to the Telephone Consumer Protection Act
Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements
Issues related to the Department of Labor's Proposed Overtime Eligibility rule
Issues related to credit union conversions
Issues related to the CFPB's proposal on arbitration
Issues related to secure payments
Issues related to credit union call report modernization

H.R. 9, the Innovation Act, all provisions
H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau
H.R. 185, Regulatory Accountability Act of 2015
H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions
H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015
H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions
H.R. 650, Preserving Access to Manufactured Housing Act, all provision
H.R. 685, the Mortgage Choice Act, all provisions
H.R. 766, Financial Institution Consumer Protection Act, all provisions
H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions
H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions
H.R. 1090, Retail Investor Protection Act, all provisions
H.R. 1176, the NCUA Budget Transparency Act, all provisions
H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions
H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions
H.R. 1210, the Portfolio Lending and Mortgage Access Act,
H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015
H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions
H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015
H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision
H.R. 1266, the Financial Products Safety Commission Act of 2015
H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets
H.R. 1422, the Credit Union Residential Loan Parity Act
H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act
H.R. 1523, Community Bank Access to Capital Act of 2015
H.R. 1529, the Community Institution Mortgage Relief Act
Discussion Draft, Data Security and Breach Notification Act of 2015
H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions
H.R. 1941, the Financial Institution Examination Fairness and Reform Act
H.R. 2205, the Data Security Act
H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes.
H.R. 2287, the National Credit Union Administration Budget Transparency Act
H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act
H.R. 2769, the Risk-Based Capital Study Act, all provisions
H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act
H.R. 3192, the Homebuyer Assistance Act, all provisions
H.R. 4638, the Senior $afe Act, all provisions
H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions
H.R. 4997, the Home Mortgage Disclosure Adjustment Act, all provisions
H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions
H.R. 5983, the Financial CHOICE Act, all provisions

S. 423, the Privacy Notice Modernization Act, all provisions
S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions
S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions
S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act
S. 924, the National Credit Union Administration Budget Transparency Act
S. 961, the Data Security Act
S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions
S. 1440, the Credit Union Residential Loan Parity Act
S. 1484, the Financial Regulatory Improvement Act, Title I
S. 2216, the Senior$afe Act, all provisions

The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database

Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions

17. House(s) of Congress and Federal agencies Check if None

U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Executive Office of the President (EOP), Federal Reserve System, Natl Credit Union Administration (NCUA), Treasury - Dept of, Labor - Dept of (DOL), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

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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 BUD

16. Specific lobbying issues

Issues related to the Community Development Revolving Loan Fund (CDRLF)
Issues related to the Community Development Financial Institution Fund (CDFIF)
Issues related to the use of G-Fees to offset the costs associated with unrelated policies that increase the deficit

H.R. 2995, Financial Services and General Government Appropriations Bill for fiscal year 2016, issues related to NCUA and the Department of Treasury

S. ___, Financial Services and General Governmental Appropriations Bill for fiscal year 2016, issues related to NCUA and the Department of Treasury

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

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 CPT

16. Specific lobbying issues

Issues related to patent litigation reform

H.R. 9, the Innovation Act

S. 1137, the Protecting American Talent and Entrepreneurship Act (PATENT) Act

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

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 FOR

16. Specific lobbying issues

Issues related to the Foreign Assistance Act of 1961.
Issues related to the Overseas Private Investment Corporations cooperative development projects
Issues related to OPICs Certificates of Participation and other OPIC-guarantee programs
Issues related to USAIDs Cooperative Development Program

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Treasury - Dept of

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

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 SMB

16. Specific lobbying issues

Issues related to credit union participation in Small Business Administration programs.

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Agriculture - Dept of (USDA), Natl Credit Union Administration (NCUA), Small Business Administration (SBA), Treasury - Dept of

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

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 TAX

16. Specific lobbying issues

Issues related to the federal income tax exemption for credit unions
Issues related to unrelated business income tax and the revised Form 990
Issues related to the tax treatment of mortgage interest
Issues related to the Foreign Account Tax Compliance Act (FATCA)

H.R. 1295, Trade Preference Extension Act, Section 603 as passed by the Senate, related to Interest Reporting Requirements
H.R. 3038, Highway and Transportation Funding Act, Section 2003 as passed by the House, related to Modification of Mortgage Reporting Requirements

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Executive Office of the President (EOP), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

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 COM

16. Specific lobbying issues

Issues related to the FCC's order regarding Telephone Consumer Protection Act

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Communications Commission (FCC), Natl Credit Union Administration (NCUA), Consumer Financial Protection Bureau (CFPB)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

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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 LBR

16. Specific lobbying issues

Issues related to the Department of Labor's proposed rule on overtime

H.R. 4773, the Protecting Workplace Advancement and Opportunity Act, all provisions

S. 2707, the Protecting Workplace Advancement and Opportunity Act, all provisions

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Labor - Dept of (DOL)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

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 GOV

16. Specific lobbying issues

Issues related to Puerto Rico's debt crisis

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

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Information Update Page - Complete ONLY where registration information has changed.

20. Client new address

21. Client new principal place of business (if different than line 20)

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

ISSUE UPDATE

24. General lobbying issue that no longer pertains

AFFILIATED ORGANIZATIONS

25. Add the following affiliated organization(s)

Internet Address:

26. Name of each previously reported organization that is no longer affiliated with the registrant or client

FOREIGN ENTITIES

27. Add the following foreign entities:

28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization