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 Federal Credit Union Charter Modernization
Issues related to credit union operations
Issues related to credit union field of membership
Issues related to credit union service organization
Issues related to NCUA's low income designation regulation
Issues related to NCUA examination procedures
Issues related to NCUA's regulation regarding liquidity
Issues related to NCUA's rulemaking process
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 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 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 CFPB's consumer complaint database
Issues related to the Department of Justice's investigation entitled, "Operation Choke Point"
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 and innovation
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 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 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-Bases 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 Faster Payments
Issues related to the Fair Credit Reporting Act
Issues related to cooperative funding sources in federal appropriations legislation
Issues related to regulation of debt collection activity
Issues related to capital reform for credit unions
Issues related to diversity and inclusion in Financial Services
Issues related to Section 124 of the Federal Credit Union Act
Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox
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 7(a) loan program
Issues related to financial institutions operating on military installations
Issues related to postal banking
Issues related to Telephone Consumer Protection Act
Issues related to financial technology (FINTECH)
Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97
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 the ability of Federal Credit unions to establish their own fiscal year
Issues related to a requirement that Federal credit unions file certain information regarding loan officers
Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings
Issues related to removing certain outdated responsibilites of Federal credit union board of directors
Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote
Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically
Issues related to PACE Loans
Issues related to minority depository insitutions
Issues related to AI and cloud computing
Issues related to the Consumer Online Privacy Rights Act
Issues related to COVID-19 crisis response legislation
Issues related to the Paycheck Protection Program
Issues related to Taxi Medallion loans
Issues related to QRM Risk Retection Review
Issues related to NCUA's proposed rule on combination transactions
Issues related to the regulation of credit unions as employers
Issues related to liability protections for businesses
Issues related to remote notary
Issues related to digital identity legislation
Issues related Paid Leave Payroll Tax Credits
Issues related to Economic Impact Payments
Issues related to Fed Accounts
Issues related to the Federal Reserve's Main Street Lending Program
Issues related to troubled debt restructuring
Issues related to Prompt Corective Action requirements
Issues related to NCUA subordinated debt rulemaking
Issues related to Uniform Residential Loan Application
Issues related to digitalization of money
Issues related to electronic signatures on wire transfer documents
Issues related to cybercriminal activity during COVID-19
Issues related to lender forebearance
Issues related to Paycheck Protection Program forgiveness process
Issues related to Agriculture Lending
Issues related to OCC payment charters
Issues related to the Student Empowerment and Financial Literacy Act
Issues related to OCC National Bank and Savings Association Digital Activities
Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X)
Issues related to premium assessments by the National Credit Union Share Insurance
Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations
Issues related to Section 4013 of the CARES Act
Issues related to Section 4016 of the CARES Act
Issues related tot he oversight of prudential regulators
Issues related to PAL 1 Program
Issues related to credit union asset size thresholds for regulatory compliance
Issues related to NCUA MERIT examination system
Issues related to NCUA Derivatives rulemaking
Issues related to mortgage servicer assistance
Issues related to Section 4022 of the CARES Act
Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements
Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio
Issues related to London Inter-Bank Offered Rate (LIBOR)
Issues related to the regulation of Federal Employment Laws
Issues related to the Office of Comptroller Charter
Issues related to the Crypto Charter
Issues related to the Solar Winds Data Breach
Issues related to PPP Loan Necessity Questionnaires
Issues related to SBA Economic Injury Disaster Loan Advances
Issues related to Seasoned QM Loan Definitions
Issues related to FHFA Strategic Plan for 2021-2024
Issues related to GSE Housing Goals
Issues related to Member Business Lending
Issues related to interest rate caps
Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans
Issues related to rental and mortgage payment assistance
Issues related to BSA / AML Regulation
Issues related to CECL Accounting requirements
Issues related to climate control issues and effect on financial institutions
Issues related to UDAAP guidance and requirements
Issues related to risk-based capital requirements
Issues related to NCUA's Communications and Transparency
Issues related to Enterprise liquidity framework (FHFA)
Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act
Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking
Issues related to the Federal Reserve's proposed Regulation II
Issues related to Capitalizing interest on consumer loans
Issues related to Cryptocurrency
Issues related to proposed postal banking pilot program
Issues related to proposed new tax reporting requirements for financial institutions
Issues related to the implementation of consumer financial protection laws
Issues related to the safety and soundness regulations of credit unions
Issues related to investment authority
Issues related to BSA / AML regulation and Cannabis Banking
Issues related to rate cap legislation and the Military Lending Act
Issues related to credit card interchange fees and routing
Issues related to FY22 National Defense Authorization Act
Issues related to NCUA Central Liquidity Facility
Issues related to Climate and Natural disaster risk management at regulated entities
Issues related to PSPA / QM Conflict
Issues related to CAMELS proposal
Issues related to credit union coverage under GNMA rules
Issues related to Cryptocurrency and digital assets
Issues related to the re-nomination of Todd Harper to the NCUA Board
Issues related to examining frameworks to address future pandemic risk
Issues related to the NDAA rate cap proposals
Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire
Issues related to the potential modifications to the Federal Reserve policy on payment system risk

H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders"

S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders"

H.R. 133, the Consolidated Appropriations Act (2020)
H.R. 1319, American Rescue Plan Act of 2021
H.R. 1395, the Housing Financial Literacy Act of 2021
H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021
H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021
H.R. 2040, the Financial Reporting Threshold Modernization Act
H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes
H.R. 2547, the Comprehensive Debt Collection Improvement Act
H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees
H.R. 3958, Central Liquidity Facility Enhancement Act
H.R. 4773, the Consumer Financial Protection Commission Act
H.R. 4905, Promoting New and Diverse Depository Institutions Act
H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act
H.R. 5189, Member Business Loan Expansion Act


S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury
S. 337, Stop Senior Scams Act
S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes
S. 910, SAFE Banking Act of 2021
S. 1368, American Housing and Economic Mobility Act of 2021
S. 1767, the Credit Union Employee and Member Safety Act of 2021

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), Small Business Administration (SBA), Federal Communications Commission (FCC), Office of the Comptroller of the Currency (OCC)

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 appropriation 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
Issues related to the President's proposed FY2022 Budget
Issues related to Build Back Better Act, provisions related to proposed enhanced IRS Tax Reporting for financial institutions

S. Con. Res. 14, Congressional Budget Resolution for FY 2022, amendment related to IRS Tax reporting proposal for financial institutions

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 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, U.S. Agency for International Development (USAID)

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 the implementation of proposed information reporting requirements on flows of deposits and withdrawals in individual and small-business banking accounts and other financial accounts

H.R. 5206, Tax Gap Reform and IRS Enforcement Act
H.R. 5451, Protecting Financial Privacy Act of 2021

S. 2721, Tax Gap Reform and IRS Enforcement Act
S. 2857, Protecting Financial Privacy Act of 2021

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

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 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