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

H.R. 1081, Consumers Payment System Protection Act (Entire Bill); S. 575, Debit Interchange Fee Study Act of 2011(Entire Bill and S.Amdt #392); Housing Finance Reform;H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011(Entire Bill); H.R, 1221: Equity in Government Compensation Act of 2011(Entire Bill); H.R. 1222, GSE Subsidy Elimination Act of 2011(Entire Bill); H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011(Entire Bill);
H.R. 1224, GSE Portfolio Risk Reduction Act of 2011(Entire Bill); H.R. 1225, GSE Debt Issuance Approval Act of 2011(Entire Bill); H.R. 1226, GSE Mission Improvement Act of 2011(Entire Bill); H.R. 1227, GSE Risk and Activities Limitation Act of 2011(Entire Bill); H.R. 1182, GSE Bailout Elimination and Taxpayer Protection Act (Entire Bill); H.R. 1859, Housing Finance Reform Act of 2011 (Entire Bill;H.R. 2413, Secondary Market Facility for Residential Mortgages Act of 2011 (Entire Bill); National Flood Insurance Program; H.R. 1309, the Flood Insurance Reform Act of 2011 (Entire Bill); H.R. 1026, the Flood Insurance Reform Priorities Act of 2011 (Entire Bill); S. 737, the Responsible Consumer Financial Protection Regulations Act of 2011 (Entire Bill); H.R. 4173 [PL111-203] the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R.87 : To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R. 1121, the Responsible Consumer Financial Protection Regulations Act of 2011(Entire Bill); H.R. 1315, the Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (Entire Bill); ); H.R. 1667, the Bureau of Consumer Financial Protection Transfer Clarification Act (Entire Bill); S.737 Responsible Consumer Financial Protection Regulations Act of 2011 (Entire Bill); Credit Union Member Business Lending Requirements and Restrictions; H.R. 1418, Small Business Lending Enhancement Act of 2011 (Entire Bill); S. 509, Small Business Lending Enhancement Act of 2011 (Entire Bill); Data Security; Credit Union Tax Exemption; National Commission on Fiscal Responsibility and Reform final report entitled, The Moment of Truth; Statutory federal debt limit; Legislation making appropriations for financial services and general government for the fiscal year ending September 30, 2012; National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Suspicious Activity Reports (SARs) requirements under the Bank Secrecy Act (S.Amdt. #365 on S.1038); H.R.2366 , Internet Gambling Prohibition, Poker Consumer Protection, and Strengthening UIGEA Act of 2011 (Section 202); Interest on Lawyers Trust Accounts Coverage Parity for Credit Unions; Servicemembers Civil Relief Act; S.486, Protecting Servicemembers from Mortgage Abuses Act of 2011; H.R.544 , To amend the Servicemembers Civil Relief Act to permanently extend the period of protections for servicemembers against mortgage foreclosures, and for other purposes; H.R.1263, To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures; H.R.1911 ,Protecting Veterans' Homes Act; H.R.2329, Ensuring a Response for Servicemembers Act; Department of Defense Instruction 1000.11 (one-bank, one- credit union); Patent Reform; H.R. 1249, Leahy-Smith America Invents Act; S. 23, America Invents Act; Consumer Financial Protection Bureaus enforceable rules (Regulation Z; Truth in Lending Act; The Credit Card Accountability, Responsibility and Disclosure Act; Real Estate Settlement Procedures Act); Regulation of non-depository financial service providers; Consumer Financial Protection Bureau consumer complaint form; Interchange fees and network routing requirements; Electronic Funds Transfer Act; Federal Reserve Boards proposed changes regarding availability of funds and check collection; Federal Reserve Boards proposed changes regarding escrow accounts; Federal Reserve Boards proposed changes to risk-based pricing notices; Proposed rule on risk management enhancements issued by NACHA-the Electronic Payments Association; Proposed rule on corporate account takeover issued by NACHA-the Electronic Payments Association; Multi-agency interim final rule on garnishing accounts that contain federal benefit payments; National Credit Union Administration, improving transparency of the agencys Overhead Transfer Rate methodology;National Credit Union Administration proposed voluntary corporate stabilization prepayment program; National Credit Union Administration Office of Consumer Protection procedures; Joint agency rulemaking with respect to incentive-based compensation arrangements; National Credit Union Administrations proposed rule to amend the definition of net worth and equity ratio; National Credit Union Share Insurance Fund;National Credit Union Administrations proposed rule on interest rate risk policy and management program for federally-insured credit unions; National Credit Union Administrations Budget; National Credit Union Administrations (NCUA) proposed rule on removing references to credit ratings in NCUAs regulations and proposing alternatives to the use of credit ratings; Troubled Debt Restructuring; Financial Regulatory Reform; Regulatory Relief for Financial Institutions; Financial Literacy; Overdraft Fees; Troubled Asset Relief Program (TARP); Community Reinvestment Act (CRA); Mortgage Bankruptcy Cramdown; SBA Loan Guarantee; Remittances; Credit Risk Retention; Consumer Financial Protection Bureau; Credit Union Capital Reform and Alternative Capital; The S.A.F.E. Mortgage Licensing Act of 2008 (definition of loan originator); Federal Reserve Board, Regulation Z (rule on Escrow Accounts); Federal Reserve Board, Regulation Z (Proposed Rule on Risk-Base Pricing); National Credit Union Administrations corporate stabilization plan; National Credit Union Administrations Merger Partner registry; National Credit Union Administrations rule with respect to fiduciary duties for directors at federal credit unions; National Credit Union Administrations interim Interpretive Ruling and Policy Statement (IRPS) on NCUA's supervisory committee; National Credit Union Administrations proposed rule on temporary insurance coverage of non-interest bearing transaction accounts; Joint proposed rule by the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) on the definitions of "swap dealer" and related terms; National Credit Union Administrations proposed rule on sample income data to obtain the agency's low income

designation; National Credit Union Share Insurance Fund (NCUSIF); National Credit Union Administrations proposed rule on advertising and notice of insured status; National Credit Union Administrations Regulatory Flexibility program; The Federal Housing Finance Agency's (FHFA) Advance Notice of Proposed Rule-making on requirements for Federal Home Loan Bank membership; National Credit Union Administrations Final Interpretive Ruling and Policy Statement (IRPS) on corporate chartering; National Credit Union Administrations proposed rule on Interest Rate Risk Management; Prompt corrective action and net worth; risk based capital standards; National Credit Union Administrations rule on mergers and credit unions conversions; credit union governance; Real Estate Appraiser Independence.

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

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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

H.R. 1081, Consumers Payment System Protection Act (Entire Bill); S. 575, Debit Interchange Fee Study Act of 2011(Entire Bill and S.Amdt #392); Housing Finance Reform;H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011(Entire Bill); H.R, 1221: Equity in Government Compensation Act of 2011(Entire Bill); H.R. 1222, GSE Subsidy Elimination Act of 2011(Entire Bill); H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011(Entire Bill);
H.R. 1224, GSE Portfolio Risk Reduction Act of 2011(Entire Bill); H.R. 1225, GSE Debt Issuance Approval Act of 2011(Entire Bill); H.R. 1226, GSE Mission Improvement Act of 2011(Entire Bill); H.R. 1227, GSE Risk and Activities Limitation Act of 2011(Entire Bill); H.R. 1182, GSE Bailout Elimination and Taxpayer Protection Act (Entire Bill); H.R. 1859, Housing Finance Reform Act of 2011 (Entire Bill;H.R. 2413, Secondary Market Facility for Residential Mortgages Act of 2011 (Entire Bill); National Flood Insurance Program; H.R. 1309, the Flood Insurance Reform Act of 2011 (Entire Bill); H.R. 1026, the Flood Insurance Reform Priorities Act of 2011 (Entire Bill); S. 737, the Responsible Consumer Financial Protection Regulations Act of 2011 (Entire Bill); H.R. 4173 [PL111-203] the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R.87 : To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R. 1121, the Responsible Consumer Financial Protection Regulations Act of 2011(Entire Bill); H.R. 1315, the Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (Entire Bill); ); H.R. 1667, the Bureau of Consumer Financial Protection Transfer Clarification Act (Entire Bill); S.737 Responsible Consumer Financial Protection Regulations Act of 2011 (Entire Bill); Credit Union Member Business Lending Requirements and Restrictions; H.R. 1418, Small Business Lending Enhancement Act of 2011 (Entire Bill); S. 509, Small Business Lending Enhancement Act of 2011 (Entire Bill); Data Security; Credit Union Tax Exemption; National Commission on Fiscal Responsibility and Reform final report entitled, The Moment of Truth; Statutory federal debt limit; Legislation making appropriations for financial services and general government for the fiscal year ending September 30, 2012; National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Suspicious Activity Reports (SARs) requirements under the Bank Secrecy Act (S.Amdt. #365 on S.1038); H.R.2366 , Internet Gambling Prohibition, Poker Consumer Protection, and Strengthening UIGEA Act of 2011 (Section 202); Interest on Lawyers Trust Accounts Coverage Parity for Credit Unions; Servicemembers Civil Relief Act; S.486, Protecting Servicemembers from Mortgage Abuses Act of 2011; H.R.544 , To amend the Servicemembers Civil Relief Act to permanently extend the period of protections for servicemembers against mortgage foreclosures, and for other purposes; H.R.1263, To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures; H.R.1911 ,Protecting Veterans' Homes Act; H.R.2329, Ensuring a Response for Servicemembers Act; Department of Defense Instruction 1000.11 (one-bank, one- credit union); Patent Reform; H.R. 1249, Leahy-Smith America Invents Act; S. 23, America Invents Act; Consumer Financial Protection Bureaus enforceable rules (Regulation Z; Truth in Lending Act; The Credit Card Accountability, Responsibility and Disclosure Act; Real Estate Settlement Procedures Act); Regulation of non-depository financial service providers; Consumer Financial Protection Bureau consumer complaint form; Interchange fees and network routing requirements; Electronic Funds Transfer Act; Federal Reserve Boards proposed changes regarding availability of funds and check collection; Federal Reserve Boards proposed changes regarding escrow accounts; Federal Reserve Boards proposed changes to risk-based pricing notices; Proposed rule on risk management enhancements issued by NACHA-the Electronic Payments Association; Proposed rule on corporate account takeover issued by NACHA-the Electronic Payments Association; Multi-agency interim final rule on garnishing accounts that contain federal benefit payments; National Credit Union Administration, improving transparency of the agencys Overhead Transfer Rate methodology;National Credit Union Administration proposed voluntary corporate stabilization prepayment program; National Credit Union Administration Office of Consumer Protection procedures; Joint agency rulemaking with respect to incentive-based compensation arrangements; National Credit Union Administrations proposed rule to amend the definition of net worth and equity ratio; National Credit Union Share Insurance Fund;National Credit Union Administrations proposed rule on interest rate risk policy and management program for federally-insured credit unions; National Credit Union Administrations Budget; National Credit Union Administrations (NCUA) proposed rule on removing references to credit ratings in NCUAs regulations and proposing alternatives to the use of credit ratings; Troubled Debt Restructuring; Financial Regulatory Reform; Regulatory Relief for Financial Institutions; Financial Literacy; Overdraft Fees; Troubled Asset Relief Program (TARP); Community Reinvestment Act (CRA); Mortgage Bankruptcy Cramdown; SBA Loan Guarantee; Remittances; Credit Risk Retention; Consumer Financial Protection Bureau; Credit Union Capital Reform and Alternative Capital; The S.A.F.E. Mortgage Licensing Act of 2008 (definition of loan originator); Federal Reserve Board, Regulation Z (rule on Escrow Accounts); Federal Reserve Board, Regulation Z (Proposed Rule on Risk-Base Pricing); National Credit Union Administrations corporate stabilization plan; National Credit Union Administrations Merger Partner registry; National Credit Union Administrations rule with respect to fiduciary duties for directors at federal credit unions; National Credit Union Administrations interim Interpretive Ruling and Policy Statement (IRPS) on NCUA's supervisory committee; National Credit Union Administrations proposed rule on temporary insurance coverage of non-interest bearing transaction accounts; Joint proposed rule by the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) on the definitions of "swap dealer" and related terms; National Credit Union Administrations proposed rule on sample income data to obtain the agency's low income

designation; National Credit Union Share Insurance Fund (NCUSIF); National Credit Union Administrations proposed rule on advertising and notice of insured status; National Credit Union Administrations Regulatory Flexibility program; The Federal Housing Finance Agency's (FHFA) Advance Notice of Proposed Rule-making on requirements for Federal Home Loan Bank membership; National Credit Union Administrations Final Interpretive Ruling and Policy Statement (IRPS) on corporate chartering; National Credit Union Administrations proposed rule on Interest Rate Risk Management; Prompt corrective action and net worth; risk based capital standards; National Credit Union Administrations rule on mergers and credit unions conversions; credit union governance; Real Estate Appraiser Independence.

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

Credit Union Tax Exemption; National Commission on Fiscal Responsibility and Reform final report entitled "The Moment of Truth."; Statutory federal debt limit.

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

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

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