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

Qualified Mortgages mortgage loan data the Consumer Financial Protection Bureau (CFPB) received from the Federal Housing Finance Agency (FHFA), and legal protections afforded to lenders under the ability-to-repay rule; Qualified mortgage (QM) definition; Qualified Residential Mortgage (QRM) definition; CFPBs proposed disclosure policy regarding financial products and services; CFPBs advanced notice of proposed rulemaking on (ANPR) on general purpose, reloadable, prepaid cards (GPR cards);
CFPBs proposed rules for asserting supervisory authority over nonbank entities; CFPBs request for information (RFI) regarding senior financial exploitation; CFPBs request for information on reverse mortgages; CFPBs proposed changes to the Home Ownership Equity Protection Act; CFPBs proposed changes to the definition of finance charge; The National Credit Union Administrations (NCUAs) 2012 mid-year budget review; NCUAs 2012 regulatory review; NCUAs Federal Credit Union Bylaws; Issues discussed during NCUA listening sessions including: examinations, member business lending, definition of rural district, small and low-income credit unions, investment powers, sources of income for certain credit unions, credit union services organizations and loan participations, short-term small amount loans, and issues related to Allowance for Lean and Loan Losses; NCUA proposed changes to the finance charge in Regulation Z; NCUAs proposed rule requiring federally-insured credit unions to maintain access to emergency liquidity; NCUAs proposed changes to the definition of a troubled condition; FHFAs proposed rule regarding Enterprise Housing Goals for the years 2012-2014; FHFA sought input on use of eminent domain to restructure performing loans; Commodity Futures Trading Commission (CFTC) proposed rule regarding swap clearing exemptions for cooperatives; Financial Accounting Standards Boards (FASB) draft on disclosures about liquidity risk and interest rate risk; The Electronic Payments Association (NACHA) regarding international ACH transactions (IAT) entries; NACHA regarding various compliance and operation topics including proof of authorization for non-consumer debit entries, stop payments, and notifications of change for single entry transactions; Remittance transfers; CFPBs database to disclose credit card complaints the Bureau receives from consumers; CFPBs proposed rule on mortgage loan origination compensation; Joint-agency proposed rule regarding appraisal requirements for higher-risk mortgages; Credit union tax exemption; Unrelated business income tax; Dodd-Frank Wall Street Reform and Consumer Financial Protection Act [P.L. 111-203]; Non-interest bearing transaction accounts; Interest on Lawyers Trust Accounts; ATM fees and the Electronic Funds Transfer Act; H.R. 4367 - To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine; Access to supplemental capital for certain credit unions; H.R. 3993 - Capital Access for Small Businesses and Jobs Act; Prompt corrective action (PCA) rules; Regulatory relief for credit unions; Coordination among members of the Financial Stability Oversight Council to facilitate regulatory coordination among member agencies; Cyber security; Data security; H.R. 2577 Secure and Fortify Data Act of 2011; S. 1434 Data Security Act of 2011; H.R. 1151 Personal Data Privacy Act of 2011; S. 1207 Data Security and Breach Notification Act of 2011; S. 1535 Personal Data Protection and Breach Accountability Act of 2011; S. 1408 Data Breach Notification Act of 2011; S. 3414 Cyber Security Act of 2012; S.Amdt. 2641 to S. 3414 (Carper-Blunt); Patent Reform; Mortgage loan disclosure forms; Truth in Lending Act (TILA);The Real Estate Settlement Procedures Act (RESPA); Small Business Regulatory Enforcement Fairness Act; Fannie Mae and Freddie Mac and the future of the Government Sponsored Enterprises; Housing Finance Reform; Small lender access to the Government Sponsored Enterprises; Confidentiality of information shared between financial institutions and the CFPB; H.R. 3871 Proprietary Information Protection Act of 2012; S.2099 - A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection; S.3394 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes; S.3204 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes; Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; H.R. 3461 - Financial Institutions Examination Fairness and Reform Act; S. 2160 - Financial Institutions Examination Fairness and Reform Act; Credit union member business lending; H.R. 1418 - Small Business Lending Enhancement Act of 2011 S. 2231 - A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; Credit card interchange fees; Debit card interchange fees; H.R. 3156 Consumer Debit Card Protection Act; Flood insurance; Strategic defaults on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Small Business Administration loan guarantee and lending programs; Service members Civil Relief Act; Base Realignment and Closure Commission; Military Lending Act; Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740); Military Savings Act of 2012 (H.R. 5946); Protecting Service members from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951); National Defense Authorization Act for Fiscal Year 2012 (S. 1253); Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254); National Defense Authorization Act for Fiscal Year 2012 (S. 1867); Service member Housing Protection Act of 2012 (S. 3179); Service members' Protection Act of 2012 (S. 3322); Military Family Home Protection Act (S. 3323); Bill to amend title 10, United States Code, to provide for relief in civil actions for violations of the protections on credit extended to members of the Armed Forces and their dependents (S. 3207); Family and Business Tax Cut Certainty Act (S. 3521).

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

Qualified Mortgages mortgage loan data the Consumer Financial Protection Bureau (CFPB) received from the Federal Housing Finance Agency (FHFA), and legal protections afforded to lenders under the ability-to-repay rule; Qualified mortgage (QM) definition; Qualified Residential Mortgage (QRM) definition; CFPBs proposed disclosure policy regarding financial products and services; CFPBs advanced notice of proposed rulemaking on (ANPR) on general purpose, reloadable, prepaid cards (GPR cards);
CFPBs proposed rules for asserting supervisory authority over nonbank entities; CFPBs request for information (RFI) regarding senior financial exploitation; CFPBs request for information on reverse mortgages; CFPBs proposed changes to the Home Ownership Equity Protection Act; CFPBs proposed changes to the definition of finance charge; The National Credit Union Administrations (NCUAs) 2012 mid-year budget review; NCUAs 2012 regulatory review; NCUAs Federal Credit Union Bylaws; Issues discussed during NCUA listening sessions including: examinations, member business lending, definition of rural district, small and low-income credit unions, investment powers, sources of income for certain credit unions, credit union services organizations and loan participations, short-term small amount loans, and issues related to Allowance for Lean and Loan Losses; NCUA proposed changes to the finance charge in Regulation Z; NCUAs proposed rule requiring federally-insured credit unions to maintain access to emergency liquidity; NCUAs proposed changes to the definition of a troubled condition; FHFAs proposed rule regarding Enterprise Housing Goals for the years 2012-2014; FHFA sought input on use of eminent domain to restructure performing loans; Commodity Futures Trading Commission (CFTC) proposed rule regarding swap clearing exemptions for cooperatives; Financial Accounting Standards Boards (FASB) draft on disclosures about liquidity risk and interest rate risk; The Electronic Payments Association (NACHA) regarding international ACH transactions (IAT) entries; NACHA regarding various compliance and operation topics including proof of authorization for non-consumer debit entries, stop payments, and notifications of change for single entry transactions; Remittance transfers; CFPBs database to disclose credit card complaints the Bureau receives from consumers; CFPBs proposed rule on mortgage loan origination compensation; Joint-agency proposed rule regarding appraisal requirements for higher-risk mortgages; Credit union tax exemption; Unrelated business income tax; Dodd-Frank Wall Street Reform and Consumer Financial Protection Act [P.L. 111-203]; Non-interest bearing transaction accounts; Interest on Lawyers Trust Accounts; ATM fees and the Electronic Funds Transfer Act; H.R. 4367 - To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine; Access to supplemental capital for certain credit unions; H.R. 3993 - Capital Access for Small Businesses and Jobs Act; Prompt corrective action (PCA) rules; Regulatory relief for credit unions; Coordination among members of the Financial Stability Oversight Council to facilitate regulatory coordination among member agencies; Cyber security; Data security; H.R. 2577 Secure and Fortify Data Act of 2011; S. 1434 Data Security Act of 2011; H.R. 1151 Personal Data Privacy Act of 2011; S. 1207 Data Security and Breach Notification Act of 2011; S. 1535 Personal Data Protection and Breach Accountability Act of 2011; S. 1408 Data Breach Notification Act of 2011; S. 3414 Cyber Security Act of 2012; S.Amdt. 2641 to S. 3414 (Carper-Blunt); Patent Reform; Mortgage loan disclosure forms; Truth in Lending Act (TILA);The Real Estate Settlement Procedures Act (RESPA); Small Business Regulatory Enforcement Fairness Act; Fannie Mae and Freddie Mac and the future of the Government Sponsored Enterprises; Housing Finance Reform; Small lender access to the Government Sponsored Enterprises; Confidentiality of information shared between financial institutions and the CFPB; H.R. 3871 Proprietary Information Protection Act of 2012; S.2099 - A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection; S.3394 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes; S.3204 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes; Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; H.R. 3461 - Financial Institutions Examination Fairness and Reform Act; S. 2160 - Financial Institutions Examination Fairness and Reform Act; Credit union member business lending; H.R. 1418 - Small Business Lending Enhancement Act of 2011 S. 2231 - A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; Credit card interchange fees; Debit card interchange fees; H.R. 3156 Consumer Debit Card Protection Act; Flood insurance; Strategic defaults on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Small Business Administration loan guarantee and lending programs; Service members Civil Relief Act; Base Realignment and Closure Commission; Military Lending Act; Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740); Military Savings Act of 2012 (H.R. 5946); Protecting Service members from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951); National Defense Authorization Act for Fiscal Year 2012 (S. 1253); Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254); National Defense Authorization Act for Fiscal Year 2012 (S. 1867); Service member Housing Protection Act of 2012 (S. 3179); Service members' Protection Act of 2012 (S. 3322); Military Family Home Protection Act (S. 3323); Bill to amend title 10, United States Code, to provide for relief in civil actions for violations of the protections on credit extended to members of the Armed Forces and their dependents (S. 3207); Family and Business Tax Cut Certainty Act (S. 3521).

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; statutory federal debt limit; unrelated business income tax; tax extenders; Family and Business Tax Cut Certainty Act (S. 3521).

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

​

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