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

Issues related to credit union operations
Issues related to credit union field of membership
Issues related to credit union service organization
Issues related to vacancies on the National Credit Union Administration (NCUA) Board
Issues related to NCUA's low income designation regulations
Issues related to NCUA examination procedures
Issues related to NCUA's regulation regarding its regulatory emergency liquidity
Issues related to NCUA's rulemaking process
Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital
Issues related to NCUA's regulatory review process
Issues related to Federal Credit Union Bylaws
Issues related to credit union loan maturity restrictions
Issues related to credit union investment authority
Issues related to Regulation of Federal Credit Union By-laws
Issues related to credit unions' incidental powers
Issues related to credit unions ability to offer prepaid cards
Issues related to credit union service to marijuana businesses
Issues related to material loss reports of the NCUA Office of Inspector General
Issues related to the regulation of corporate credit unions
Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans
Issues related to fixed assets
Issues related to credit union conversions
Issues related to credit union call report modernization
Issues related to NCUA's Corporate Credit Union Stabilization Plan
Issues related to NCUA's budget and the overhead transfer rate
Issues related to Credit Union Service Organizations (CUSO)
Issues related to the authority of the CFPB to exempt credit unions from its rulemaking
Issues related to the CFPB rule to remittances and international wire transfers
Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director
Issues related to codifying the CFPB's Credit Union Advisory Council
Issues related to requiring SBREFA Panels for CFPB Rulemakings
Issues related to overdraft protection and check ordering practices
Issues related to mortgage servicing
Issues related to mortgage loan originator compensation and qualifications
Issues related to the CFPB's rule regarding qualified mortgage / ability to repay
Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C)
Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures
Issues related to the payday, vehicle title, and similar lending
Issues related to short term lending products and advance deposit products
Issues related to the CFPB's consumer complaint database
Issues related to the Department of Justice's investigation entitled, "Operation Choke Point"
Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA
Issues related to indirect auto lending
Issues related to credit union service to unbanked and underbanked consumers
Issues related to the Financial Accounting Standards Board (FASB)
Issues related to data and cyber security
Issues related to mobile banking and mobile payments
Issues related to identity theft and fraud reduction
Issues related to secure payments
Issues related to merchant data breaches
Issues related to the payments system
Issues related to Federal Reserve Regulatory D
Issues related to the Fed's implementation of same-day ACH
Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements
Issues related to the oversight of the Federal Housing Administration
Issues related to the USDA Rural Development Loan Program
Issues related to the Federal Home Loan Bank System
Issues related to Fannie Mae Capital
Issues related to membership eligibility in the Federal Home Loan Bank System
Issues related to financial literacy
Issues related to Housing Finance Reform
Issues related to student lending
Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process
Issues related to retirement security
Issues related to flood insurance
Issues related to consumer's access to records
Issues related to economic growth
Issues related to Interchange Fees
Issues related to the Equal Credit Opportunity Act
Issues related to the Fair Housing act
Issues related to the merger of credit unions
Issues related to the Real Estate Settlement Procedures Act
Issues related to Community Reinvestment Act
Issues related to Regulation Z
Issues related to Military Lending Act
Issues related to Financial Technology
Issues related to Small Business Lending Data Collection requirements
Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures
Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms
Issues related to residential appraisals
Issues related to FHA appraisal certification
Issues related to FHA and USDA Loan Modifications
Issues related to payments innovation
Issues related to Faster Payments
Issues related to the Fair Credit Reporting Act
Issues related to cooperative funding sources in federal appropriations legislation
Issues related to debt collection requirements
Issues related to capital reform for credit unions
Issues related to procurement reform for private voluntary organizations
Issues related to Federal Credit Union Charter Modernization
Issues related to diversity and inclusion in Financial Services
Issues related to Section 124 of the Federal Credit Union Act
Issues related to NCUA's Fidelity Bonds Proposed Rule
Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox
Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline
Issues related to enterprise validation and approval of credit score models
Issues related to the availability of Funds and Collection of Checks (Regulation CC)
Issues related to arbitration clauses
Issues related to SBA 79(a) loan program
Issues related to financial institutions operating on military installations
Issues related to postal banking
Issues related to robocalls and the Stopping Bad Robocalls Act
Issues related to financial technology (FINTECH)
Issues related to the Consumer Financial Protection Bureau Payday Rule
Issues related to appraisals
Issues related to student lending
Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97
Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities
Issues related to payday and small dollar lending
Issues related to leases of non-excess property on military bases
Issues related to Opportunity Zones
Issues related to minority homeownership
Issues related to permit Federal Credit Unions to establish their own fiscal year
Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers
Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings
Issues related to remove certain outdated responsibilities of Federal credit union board of directors
Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote
Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically
Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act)
Issues related to PACE loans
Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds
Issues on NCUA Executive compensation rules
Issues related to small business cannabis
Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019
Issues related to minority depository institutions
Issues related to the Federal Reserve's Faster Payments Proposal
Issues related to Credit Union acquisitions of banks
Issues related to AI and cloud computing
Issues related to the Consumer Online Privacy Rights Act


H.R. 388, the Financial Reporting Threshold Modernization Act
H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act
H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes
H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund)
H.R. 1500, the Consumers First Act
H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019
H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes
H.R. 1737, the American Housing and Economic Mobility Act of 2019
H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax")
H.R. 1957, the Taxpayers First Act of 2019
H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes
H.R. 2157, Supplemental Appropriations Act of 2019
H.R. 2162, Housing Financial Literacy Act of 2019
H.R. 2290, Shutdown Guidance for Financial Institutions Act
H.R. 2305, Veterans Members Business Loan Act
H.R. 2445, Self-Employed Mortgage Access Act
H.R. 2500, National Defense Authorization Act for Fiscal Year 2020
H.R. 2513, Corporate Transparency Act of 2019
H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019
H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act
H.R. 2852, Homebuyer Assistance Act of 2019
H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019
H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019
H.R. 3182, CECL Consumer Impact and Study Bill of 2019
H.R. 3198, the Comprehensive Regulatory Review Act
H.R. 3300, the Economic Mobility Act of 2019
H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019
H.R. 3351, Financial Services and General Government Appropriations Act of 2020
H.R. 3375, the Stopping Bad Robocalls Act
H.R. 4458, Cybersecurity and Financial System Resilience Act
H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act
H.R. 4565, the Responsible Accounting Standards Act of 2019
H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act
H.R. 5013, Small Business Fair Debt Collection Protection Act
H.R. 5050, Veterans and Consumers Fair Credit Act
H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act
H.R. 5322, Ensuring Diversity in Community Banking Act of 2019
H.R. 5332, Protecting your Credit Score Act of 2019

H.Res 275, Supporting the goals and ideals of "Financial Literacy Month"
H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults
H.Res 328, Supporting the protection of elders through financial literacy
H. Res 602, Support of resolution in support of cooperatives

S. 151, TRACED Act
S. 787, the American Housing and Economic Mobility Act of 2019
S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act)
S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act)
S. 1564, Continued Encouragement for Consumer Lending Act
S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020
S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information
S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020
S. 2834, Veterans member Business Loan Act
S. 3003, the Financial Institution Customer Protection Act
S. 3032, Strengthening the Tenth Amendment Through Entrusting States

Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

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

U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Executive Office of the President (EOP), Federal Reserve System, Natl Credit Union Administration (NCUA), Treasury - Dept of, Labor - Dept of (DOL), Consumer Financial Protection Bureau (CFPB), Veterans Affairs - Dept of (VA)

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 BUD

16. Specific lobbying issues

Issues related to the Community Development Revolving Loan Fund (CDRLF)
Issues related to the Community Development Financial Institution Fund (CDFIF)
Issues related to appropriations for State and Foreign Operations, specifically funding for USAID and the Cooperative Development Program
Issues related to Appropriations for State and Foreign Operations Subcommittee regarding funding
Issues related to Federal Government shutdown assistance

Financial Services and General Government Appropriations for Fiscal Year 2020, provisions related to the Community Development Financial Institution Fund, the Community Development Revolving Fund, the funding mechanism for the National Credit Union Administration, and the structure of the Consumer Financial Protection Bureau

H.R. 3351, Financial Services and General Government Appropriations Act of 2020

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA)

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 CPT

16. Specific lobbying issues

Issues related to patent reform
Issues related to patent litigation reform

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES

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 FOR

16. Specific lobbying issues

Issues related to Foreign Assistance Act of 1961
Issues related to the Overseas Private Investment Corporation's cooperative development projects
Issues related to OPIC's Certificates of Participation and other OPIC-guarantee programs
Issues related to USAID's Cooperative Development Program
Issues related to procurement reform within USAID

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Treasury - Dept of

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 SMB

16. Specific lobbying issues

Issues related to credit union participation in Small Business Administration Programs

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Agriculture - Dept of (USDA), Natl Credit Union Administration (NCUA), Small Business Administration (SBA), Treasury - Dept of

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

Issues related to the federal income tax exemption for credit unions
Issues related to unrelated business income tax and the revised Form 990
Issues related to the tax treatment of mortgage interest
Issues related to the Foreign Account Tax Compliance Act (FATCA)
Issues related to section 13602, section 13702, section 13703 of the Tax Cuts and Jobs Act of 2017
Issues related to Treasury and IRS actions on the implementation of the Tax Cuts and Jobs Act of 2017

H.R. 1957, the Taxpayers First Act

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Executive Office of the President (EOP), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA)

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 COM

16. Specific lobbying issues

Issues related to the Telephone Consumer Protection Act
Issues related to the Federal Communications Commission's July 2015 order regarding Telephone Consumer Protection Act
Issues related to the oversight of the Federal Communications Commission

H.R. 3375, Stopping Bad Robocalls Act

S.151, TRACED Act

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Communications Commission (FCC), Natl Credit Union Administration (NCUA), Consumer Financial Protection Bureau (CFPB)

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 LBR

16. Specific lobbying issues

Issues related to the Department of Labor's proposed rule on overtime

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Labor - Dept of (DOL)

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 GOV

16. Specific lobbying issues

Issues related to Puerto Rico's debit crisis

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA)

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 CIV

16. Specific lobbying issues

Issues related to the Americans with Disabilities Act
Issues related to ADA Website Accessibility

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Justice - Dept of (DOJ), Consumer Financial Protection Bureau (CFPB), Natl Credit Union Administration (NCUA)

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:

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

CONVICTIONS DISCLOSURE

29. Have any of the lobbyists listed on this report been convicted in a Federal or State Court of an offense involving bribery, extortion, embezzlement, an illegal kickback, tax evasion, fraud, a conflict of interest, making a false statement, perjury, or money laundering?
No Yes