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

Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption;
Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group;
Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).

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), Justice - Dept of (DOJ), U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Federal Housing Finance Agency (FHFA)

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 FIN

16. Specific lobbying issues

Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group;
Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).

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

Natl Credit Union Administration (NCUA), Small Business Adminstration (SBA), 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), U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Justice - Dept of (DOJ), Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission (CFTC), Defense - Dept of (DOD), Federal Housing Finance Agency (FHFA)

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

credit union tax exemption; retention of the credit union tax exemption in any reform efforts; Senate Finance tax reform working groups.

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

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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: 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