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

Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; The credit union tax exemption; The federal debt limit; Continued credit union operations during the government shutdown; National Flood Insurance Program (NFIP); Delaying NFIP premium increases; The Consumer Financial Protection Bureaus (CFPB) Ability to Repay/ Qualified Mortgage (QM) rule and how points and fees are calculated; Delay of the CFPB mortgage related rules; Mortgage Choice Act of 2013 (H.R. 3211);
Mortgage Choice Act of 2013 (S.1577); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949);Exempting mortgage loans held in portfolio from the QM definition; Ensuring the 40-year loan product can be considered a QM; Revising the aspects of the ability to repay rule that dictates a consumer have a total debt-to-income ratio that is less than or equal to 43%; House-Senate Budget Conference Committee on the Budget Resolution; Annual privacy notices financial institutions must provide consumers with; Privacy Notice Modernization Act (S. 635); Eliminate Privacy Notice Confusion Act (H.R. 749); Patent reform; Innovation Act (H.R. 3309); Patent Transparency and Improvements Act of 2013 (S.1720); Patent Quality Improvement Act of 2013 (S. 866); Patent Litigation Integrity Act of 2013 (S.1612); Credit union share insurance coverage of Interest on Lawyers Trust Accounts; Credit Union Share Insurance Fund Parity Act (H.R. 3468); To enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. (H.R. 3329); CLEAR Relief Act (H.R. 1750); Structural changes to the CFPB; Changing the single CFPB director to a board of directors; Responsible Consumer Financial Protection Regulations Act of 2013 (H.R. 2446); Consumer Financial Protection Safety and Soundness Improvement Act of 2013 (HR. 3193); Giving the Dodd-Frank created Financial Stability Oversight Council additional power to veto CFPB rules; Subjecting the CFPB to the Congressional appropriations process; Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 (H.R. 3519); CFPB data collection efforts; Regulatory relief proposals for community-based financial service providers; Legislation to help ensure conflicting, inconsistent, and duplicative laws and regulations are addressed by Congress and regulators; Ensuring rural designations for the purposes of some Qualified Mortgage categories are made fairly at the CFPB; CFPB Rural Designation Petition and Correction Act (H.R. 2672); Data security standards; Cyber Security standards; Holding retailers accountable for handling sensitive personal financial data; Credit union member business lending; Updating the definition of a member business loan for credit unions; Exempting certain classes of loans the member business loan definition; Restore Main Street's Credit Act of 2012 (H.R. 4293);Credit Union Small Business Lending Act (H.R. 4191);Credit Union Small Business Jobs Creation Act of 2013 (H.R. 688);Supplement capital access for credit unions; Capital Access for Small Businesses and Jobs Act of 2013 (H.R. 719); Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; Allowing NCUA to grant a waiver to follow a state rule instead of a federal one in certain situations; Allowing the National Credit Union Administration (NCUA) to modify or delay implementation of a CFPB rule impacting credit unions; More robust cost-benefit analysis at the CFPB and NCUA; Establishing a risk-based capital system for credit unions; NCUA study on prompt corrective action; Require NCUA to conduct a study of the Central Liquidity Facility; Give credit unions better control over their investment decisions and portfolio risk; NCUA report on outdated corporate governance provisions in the Federal Credit Union Act; Clarification that all credit unions, regardless of charter type, should be allowed to add underserved areas to their field of memberships; Allowing NCUA to grant longer maturities for certain types of loans; Credit union access to the government sponsored enterprises; Credit union access to the secondary mortgage market; Fair pricing for credit union loans in the secondary mortgage market; Housing finance reform; An explicit government guarantee on mortgage backed securities; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Reforms to the Federal Home Loan Bank system; CFPB clarification on what constitutes good faith compliance efforts with the mortgage rules taking effect in January of 2014; Remittance transfer regulations; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Indexing for inflation some monetary thresholds in the Dodd-Frank Act; Changes to the E-SIGN law [P.L. 106-229]; Changes with respect to CFPB document access; Changes to appraiser independence standards; Changes to the SAFE Act definition of Loan Originator; Credit union parity for SEC broker-dealer exemption; Small Business Administration (SBA) lending programs utilized by credit unions; SBA Express and Patriot Express loans; SBA 7(a) lender requirements; SBA 504 lending; Effects of the Credit Card Accountability Responsibility Act (CARD Act); NCUAs FY 2014 budget; NCUAs reinstatement of an information collection requirement required by the Truth in Savings Act (TISA);NCUAs proposed rule regarding charitable donation accounts; Multi-agency notice of proposed rulemaking regarding loans in areas having special flood hazards; NCUA exams related to various mortgage-related regulations issued by the CFPB; The Federal Reserve Boards Proposed 2013 Regulation II Debit Card Issuer Survey and Payment Card Network Survey; The Financial Accounting Standards Boards (FASB) exposure draft proposing to eliminate certain financial reporting requirements for development stage entities; Federal Reserve Banks Public Consultation Paper proposing and seeking input on the Federal Reserve Banks role in implementing improvements to the speed, efficiency, and security of the U.S. payment system; Credit union mortgage lending; Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) disclosure integration; Federal Housing Finance Agency increasing Fannie Mae and Freddie Mac guarantee fees and implementing changes to loan-level price adjustments for certain loans; Multi-agency proposed rule regarding credit risk retention; Multi-agency proposed rule regarding qualified residential mortgages; Department of Housing and Urban Developments (HUD) proposed rule to define qualified mortgage for purposes of mortgages insured or guaranteed by HUD or the Federal Housing Administration;
CFPBs interim final rule on changes to Regulation Z, Regulation X and the agencys final rules issued throughout 2013 related to mortgages; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (HR 821); Fairness for Military Homeowners Act of 2013 (HR 1223); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S.1197); National Defense Authorization Act for Fiscal Year 2014 (H.R. 3304); Military Savings Act of 2013 (S. 1741); Updates and modernization of the NCUAs fixed assets rule; Changes to the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts; Added flexibility for credit unions that offer member business loans; Update requirements for credit unions to disclose account numbers to protect the privacy of members; Update advertising requirements for credit union loan products and share accounts; Modernize NCUA advertising requirements; Update and simplify regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request.

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

Natl Credit Union Administration (NCUA), Small Business Adminstration (SBA), Defense - Dept of (DOD), Homeland Security - Dept of (DHS), Federal Reserve System, Treasury - Dept of, Federal Deposit Insurance Commission (FDIC), Securities & Exchange Commission (SEC), Housing & Urban Development - Dept of (HUD), Office of the Comptroller of the Currency (OCC), Government Accountability Office (GAO), White House Office, Federal Housing Finance Board (FHFB), Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission (CFTC), U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE

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 FIN

16. Specific lobbying issues

Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; The credit union tax exemption; The federal debt limit; Continued credit union operations during the government shutdown; National Flood Insurance Program (NFIP); Delaying NFIP premium increases; The Consumer Financial Protection Bureaus (CFPB) Ability to Repay/ Qualified Mortgage (QM) rule and how points and fees are calculated; Delay of the CFPB mortgage related rules; Mortgage Choice Act of 2013 (H.R. 3211);
Mortgage Choice Act of 2013 (S.1577); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949);Exempting mortgage loans held in portfolio from the QM definition; Ensuring the 40-year loan product can be considered a QM; Revising the aspects of the ability to repay rule that dictates a consumer have a total debt-to-income ratio that is less than or equal to 43%; House-Senate Budget Conference Committee on the Budget Resolution; Annual privacy notices financial institutions must provide consumers with; Privacy Notice Modernization Act (S. 635); Eliminate Privacy Notice Confusion Act (H.R. 749); Patent reform; Innovation Act (H.R. 3309); Patent Transparency and Improvements Act of 2013 (S.1720); Patent Quality Improvement Act of 2013 (S. 866); Patent Litigation Integrity Act of 2013 (S.1612); Credit union share insurance coverage of Interest on Lawyers Trust Accounts; Credit Union Share Insurance Fund Parity Act (H.R. 3468); To enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. (H.R. 3329); CLEAR Relief Act (H.R. 1750); Structural changes to the CFPB; Changing the single CFPB director to a board of directors; Responsible Consumer Financial Protection Regulations Act of 2013 (H.R. 2446); Consumer Financial Protection Safety and Soundness Improvement Act of 2013 (HR. 3193); Giving the Dodd-Frank created Financial Stability Oversight Council additional power to veto CFPB rules; Subjecting the CFPB to the Congressional appropriations process; Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 (H.R. 3519); CFPB data collection efforts; Regulatory relief proposals for community-based financial service providers; Legislation to help ensure conflicting, inconsistent, and duplicative laws and regulations are addressed by Congress and regulators; Ensuring rural designations for the purposes of some Qualified Mortgage categories are made fairly at the CFPB; CFPB Rural Designation Petition and Correction Act (H.R. 2672); Data security standards; Cyber Security standards; Holding retailers accountable for handling sensitive personal financial data; Credit union member business lending; Updating the definition of a member business loan for credit unions; Exempting certain classes of loans the member business loan definition; Restore Main Street's Credit Act of 2012 (H.R. 4293);Credit Union Small Business Lending Act (H.R. 4191);Credit Union Small Business Jobs Creation Act of 2013 (H.R. 688);Supplement capital access for credit unions; Capital Access for Small Businesses and Jobs Act of 2013 (H.R. 719); Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; Allowing NCUA to grant a waiver to follow a state rule instead of a federal one in certain situations; Allowing the National Credit Union Administration (NCUA) to modify or delay implementation of a CFPB rule impacting credit unions; More robust cost-benefit analysis at the CFPB and NCUA; Establishing a risk-based capital system for credit unions; NCUA study on prompt corrective action; Require NCUA to conduct a study of the Central Liquidity Facility; Give credit unions better control over their investment decisions and portfolio risk; NCUA report on outdated corporate governance provisions in the Federal Credit Union Act; Clarification that all credit unions, regardless of charter type, should be allowed to add underserved areas to their field of memberships; Allowing NCUA to grant longer maturities for certain types of loans; Credit union access to the government sponsored enterprises; Credit union access to the secondary mortgage market; Fair pricing for credit union loans in the secondary mortgage market; Housing finance reform; An explicit government guarantee on mortgage backed securities; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Reforms to the Federal Home Loan Bank system; CFPB clarification on what constitutes good faith compliance efforts with the mortgage rules taking effect in January of 2014; Remittance transfer regulations; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Indexing for inflation some monetary thresholds in the Dodd-Frank Act; Changes to the E-SIGN law [P.L. 106-229]; Changes with respect to CFPB document access; Changes to appraiser independence standards; Changes to the SAFE Act definition of Loan Originator; Credit union parity for SEC broker-dealer exemption; Small Business Administration (SBA) lending programs utilized by credit unions; SBA Express and Patriot Express loans; SBA 7(a) lender requirements; SBA 504 lending; Effects of the Credit Card Accountability Responsibility Act (CARD Act); NCUAs FY 2014 budget; NCUAs reinstatement of an information collection requirement required by the Truth in Savings Act (TISA);NCUAs proposed rule regarding charitable donation accounts; Multi-agency notice of proposed rulemaking regarding loans in areas having special flood hazards; NCUA exams related to various mortgage-related regulations issued by the CFPB; The Federal Reserve Boards Proposed 2013 Regulation II Debit Card Issuer Survey and Payment Card Network Survey; The Financial Accounting Standards Boards (FASB) exposure draft proposing to eliminate certain financial reporting requirements for development stage entities; Federal Reserve Banks Public Consultation Paper proposing and seeking input on the Federal Reserve Banks role in implementing improvements to the speed, efficiency, and security of the U.S. payment system; Credit union mortgage lending; Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) disclosure integration; Federal Housing Finance Agency increasing Fannie Mae and Freddie Mac guarantee fees and implementing changes to loan-level price adjustments for certain loans; Multi-agency proposed rule regarding credit risk retention; Multi-agency proposed rule regarding qualified residential mortgages; Department of Housing and Urban Developments (HUD) proposed rule to define qualified mortgage for purposes of mortgages insured or guaranteed by HUD or the Federal Housing Administration;
CFPBs interim final rule on changes to Regulation Z, Regulation X and the agencys final rules issued throughout 2013 related to mortgages; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (HR 821); Fairness for Military Homeowners Act of 2013 (HR 1223); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S.1197); National Defense Authorization Act for Fiscal Year 2014 (H.R. 3304); Military Savings Act of 2013 (S. 1741); Updates and modernization of the NCUAs fixed assets rule; Changes to the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts; Added flexibility for credit unions that offer member business loans; Update requirements for credit unions to disclose account numbers to protect the privacy of members; Update advertising requirements for credit union loan products and share accounts; Modernize NCUA advertising requirements; Update and simplify regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request.

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

Natl Credit Union Administration (NCUA), Small Business Adminstration (SBA), Defense - Dept of (DOD), Homeland Security - Dept of (DHS), Federal Reserve System, Treasury - Dept of, Federal Deposit Insurance Commission (FDIC), Securities & Exchange Commission (SEC), Housing & Urban Development - Dept of (HUD), Office of the Comptroller of the Currency (OCC), Government Accountability Office (GAO), White House Office, Federal Housing Finance Board (FHFB), Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission (CFTC), U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE

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

The credit union tax exemption; corporate tax reform; tax reform efforts in conjunction with raising the federal debt limit; sequestration; House Ways and Means, and Senate Finance working groups on tax reform.

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

Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Treasury - Dept of, White House Office, U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Federal Trade Commission (FTC), Federal Reserve System

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

​

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: http://www.nafcu.org/Tertiary.aspx?id=17818

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