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LOBBYING REPORT |
Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page
2. Address
Address1 | 3138 NORTH 10TH STREET |
Address2 | |
City | ARLINGTON |
State | VA |
Zip Code | 22201 |
Country | USA |
3. Principal place of business (if different than line 2)
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State | |
Zip Code | |
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5. Senate ID# 26763-12
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6. House ID# 302630000
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TYPE OF REPORT | 8. Year | 2012 |
Q1 (1/1 - 3/31) | Q2 (4/1 - 6/30) | Q3 (7/1 - 9/30) | Q4 (10/1 - 12/31) |
9. Check if this filing amends a previously filed version of this report
10. Check if this is a Termination Report | Termination Date | |
11. No Lobbying Issue Activity |
INCOME OR EXPENSES - YOU MUST complete either Line 12 or Line 13 | |||||||||
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12. Lobbying | 13. Organizations | ||||||||
INCOME relating to lobbying activities for this reporting period was: | EXPENSE relating to lobbying activities for this reporting period were: | ||||||||
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Provide a good faith estimate, rounded to the nearest $10,000, of all lobbying related income for the client (including all payments to the registrant by any other entity for lobbying activities on behalf of the client). | 14. REPORTING Check box to indicate expense accounting method. See instructions for description of options. | ||||||||
Method A.
Reporting amounts using LDA definitions only
Method B. Reporting amounts under section 6033(b)(8) of the Internal Revenue Code Method C. Reporting amounts under section 162(e) of the Internal Revenue Code |
Signature | Digitally Signed By: B. Dan Berger, Executive Vice President of Government Affairs |
Date | 01/18/2013 |
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
Eliminate Privacy Notice Confusion Act (H.R. 5817);Privacy notice disclosures for financial institutions; Housing finance reform; Mortgage lending; Strategic default on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Legislation to extend the Transaction Account Guarantee program at community banks and the corresponding program at credit unions for non-interest bearing transaction accounts (S.3637); Non-interest bearing transaction accounts; Credit union member
business lending; Small Business Lending Enhancement Act of 2011(H.R. 1418); 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 (S. 2231); Interest on lawyers trust accounts; The credit union tax exemption; The credit union tax exemptions impact on the broader economy; Deficit reduction and efforts to change the corporate tax structure; Defense credit union issues; Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 3993); ATM disclosures; To amend the electronic funds transfer act to limit fee disclosure requirement for an automatic teller machine to the screen of that machine (H.R. 4367); Interchange fees; Data security; Cyber Security Flood insurance; Patent Reform; Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Defense Base Closure and Realignment Closure Commission; Servicemembers Civil Relief Act; 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 Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures (H.R.1263); Fairness for Military Homeowners Act of 2012 (H.R.4740); Military Savings Act of 2012 (H.R. 5946); Protecting Servicemembers from Mortgage Abuses Act of 2011 (S.486); Servicemember Housing Protection Act of 2012 (S.3179); Servicemembers' Protection Act of 2012 (S.3322); Military Family Home Protection Act (S. 3323); A 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); National Defense Authorization Act for Fiscal Year 2013 (S. 3254); Regulatory relief for credit unions; Confidentiality of information shared between financial institutions and the CFPB; Proprietary Information Protection Act of 2012 (H.R. 3871); A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (S. 2099); 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. 3394); A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (S. 3204); Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 3461); Financial Institutions Examination Fairness and Reform Act (S. 2160); Small Business Administration loan guarantee and lending programs; Predatory lending and payday-alternative loans; Changes to Regulation Z, implementing the Truth in Lending Act (prompt crediting of payments and payoff statements; rate adjustment notices; initial rate adjustment notice; periodic statement requirement); Changes to Regulation X, implementing the Real Estate Settlement Procedures Act (error resolution and information requests; force placed insurance); CFPBs proposed rule to combine mortgage disclosures required under the Truth in Lending Act and the Real Estate Settlement Procedures Act; Mortgage servicing; Encouraging regulatory compliance with the Small Business Regulatory Enforcement Fairness Act during agency rulemaking; Requirements under Regulation E for dual Automated Teller Machine fee disclosures; Joint rule on appraisals for higher risk mortgage loans; Financial education at credit unions; Loan originator compensation and appraisal forms; Qualified mortgages; Effective dates of mortgage-related rules from the Consumer Financial Protection Bureau; Proposed rule to amend Regulation B, the Equal Credit Opportunity Act with respect to appraisals and valuations; The Consumer Financial Protection Bureaus strategic plan; Regulatory capital requirements and implementation of Basel III; Federal Housing Finance Agency proposal to adjust changes by Fannie Mae and Freddie Mac on mortgage loans for single-family units in five states; Development of Infrastructure for the Secondary Mortgage Market; Housing finance reform; The Federal Housing Administrations and FHA Mutual Mortgage Insurance Fund audit report; Greater transparency for ACH-based person-to-person payments; National Credit Union Administrations 2013 operating budget; Amount of time that a credit union has to accept a designation as low-income; Certain changes to the credit union Profile and the 5300 Call Report; The definition of rural district for purposes of a community charter; Asset threshold for the definition of a small entity status; Treasury Inflation Protected Securities; Small Business Administrations rule to increase small business size standards for credit unions; Federal Housing Finance Agency guarantee fee increases.
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
First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
Fred |
Becker |
Jr. |
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Dan |
Berger |
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Quincy |
Enoch |
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Carrie |
Hunt |
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Brad |
Thaler |
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Katherine |
Marisic |
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Jillian |
Pevo |
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Tessema |
Tefferi |
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Chad |
Adams |
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Dan |
O'Brien |
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Mallika |
Vastare |
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P.J. |
Hoffman |
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Angela |
Myster |
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Alexis |
Latifi |
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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
Eliminate Privacy Notice Confusion Act (H.R. 5817);Privacy notice disclosures for financial institutions; Housing finance reform; Mortgage lending; Strategic default on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Legislation to extend the Transaction Account Guarantee program at community banks and the corresponding program at credit unions for non-interest bearing transaction accounts (S.3637); Non-interest bearing transaction accounts; Credit union member
business lending; Small Business Lending Enhancement Act of 2011(H.R. 1418); 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 (S. 2231); Interest on lawyers trust accounts; The credit union tax exemption; The credit union tax exemptions impact on the broader economy; Deficit reduction and efforts to change the corporate tax structure; Defense credit union issues; Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 3993); ATM disclosures; To amend the electronic funds transfer act to limit fee disclosure requirement for an automatic teller machine to the screen of that machine (H.R. 4367); Interchange fees; Data security; Cyber Security Flood insurance; Patent Reform; Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Defense Base Closure and Realignment Closure Commission; Servicemembers Civil Relief Act; 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 Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures (H.R.1263); Fairness for Military Homeowners Act of 2012 (H.R.4740); Military Savings Act of 2012 (H.R. 5946); Protecting Servicemembers from Mortgage Abuses Act of 2011 (S.486); Servicemember Housing Protection Act of 2012 (S.3179); Servicemembers' Protection Act of 2012 (S.3322); Military Family Home Protection Act (S. 3323); A 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); National Defense Authorization Act for Fiscal Year 2013 (S. 3254); Regulatory relief for credit unions; Confidentiality of information shared between financial institutions and the CFPB; Proprietary Information Protection Act of 2012 (H.R. 3871); A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (S. 2099); 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. 3394); A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (S. 3204); Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 3461); Financial Institutions Examination Fairness and Reform Act (S. 2160); Small Business Administration loan guarantee and lending programs; Predatory lending and payday-alternative loans; Changes to Regulation Z, implementing the Truth in Lending Act (prompt crediting of payments and payoff statements; rate adjustment notices; initial rate adjustment notice; periodic statement requirement); Changes to Regulation X, implementing the Real Estate Settlement Procedures Act (error resolution and information requests; force placed insurance); CFPBs proposed rule to combine mortgage disclosures required under the Truth in Lending Act and the Real Estate Settlement Procedures Act; Mortgage servicing; Encouraging regulatory compliance with the Small Business Regulatory Enforcement Fairness Act during agency rulemaking; Requirements under Regulation E for dual Automated Teller Machine fee disclosures; Joint rule on appraisals for higher risk mortgage loans; Financial education at credit unions; Loan originator compensation and appraisal forms; Qualified mortgages; Effective dates of mortgage-related rules from the Consumer Financial Protection Bureau; Proposed rule to amend Regulation B, the Equal Credit Opportunity Act with respect to appraisals and valuations; The Consumer Financial Protection Bureaus strategic plan; Regulatory capital requirements and implementation of Basel III; Federal Housing Finance Agency proposal to adjust changes by Fannie Mae and Freddie Mac on mortgage loans for single-family units in five states; Development of Infrastructure for the Secondary Mortgage Market; Housing finance reform; The Federal Housing Administrations and FHA Mutual Mortgage Insurance Fund audit report; Greater transparency for ACH-based person-to-person payments; National Credit Union Administrations 2013 operating budget; Amount of time that a credit union has to accept a designation as low-income; Certain changes to the credit union Profile and the 5300 Call Report; The definition of rural district for purposes of a community charter; Asset threshold for the definition of a small entity status; Treasury Inflation Protected Securities; Small Business Administrations rule to increase small business size standards for credit unions; Federal Housing Finance Agency guarantee fee increases.
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
First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
Fred |
Becker |
Jr. |
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Dan |
Berger |
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Quincy |
Enoch |
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Carrie |
Hunt |
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Brad |
Thaler |
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Katherine |
Marisic |
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Jillian |
Pevo |
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Tessema |
Tefferi |
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Chad |
Adams |
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Dan |
O'Brien |
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Mallike |
Vastare |
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P.J. |
Hoffman |
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Angela |
Myster |
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Alexis |
Latifi |
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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); expiration of the Bush Era tax cuts; American Taxpayer Relief Act of 2012 (H.R. 8).
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
First Name | Last Name | Suffix | Covered Official Position (if applicable) | New |
Fred |
Becker |
Jr. |
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Dan |
Berger |
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Quincy |
Enoch |
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Carrie |
Hunt |
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Brad |
Thaler |
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Katherine |
Marisic |
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Jillian |
Pevo |
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Tessema |
Tefferi |
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Chad |
Adams |
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Dan |
O'Brien |
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Mallika |
Vastare |
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P.J. |
Hoffman |
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Angela |
Myster |
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Alexis |
Latifi |
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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
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21. Client new principal place of business (if different than line 20)
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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
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ISSUE UPDATE
24. General lobbying issue that no longer pertains
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AFFILIATED ORGANIZATIONS
25. Add the following affiliated organization(s)
Internet Address: http://www.nafcu.org/2012nafcuboard/
Name | Address |
Principal Place of Business (city and state or country) |
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NAFCU Board of Directors |
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26. Name of each previously reported organization that is no longer affiliated with the registrant or client
1 | 3 | 5 |
2 | 4 | 6 |
FOREIGN ENTITIES
27. Add the following foreign entities:
Name | Address |
Principal place of business (city and state or country) |
Amount of contribution for lobbying activities | Ownership percentage in client | ||||||||||
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28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization
1 | 5 | 9 |
2 | 6 | 10 |
3 | 7 | 11 |
4 | 8 | 12 |