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 AGR

16. Specific lobbying issues

Farm Credit System and Tax 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 BAN

16. Specific lobbying issues

H.R. 601, the Eliminate Privacy Notice Confusion Act (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement for institutions that have not changed their privacy policies and only share personal information within the statutory exceptions.

S. 423, the Privacy Notice Modernization Act (counterpart to H.R. 601).

H.R. 1113, the Portfolio Lending and Mortgage Access Act;

H.R. 1210, the Portfolio Lending and Mortgage Access Act (would provide that loans originated and held in portfolio are treated as Qualified Mortgages).

H.R. 1233, the CLEARR Act of 2015 (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement).

S. 812, the CLEAR Relief Act of 2015 (a companion bill to H.R. 1233).

H.R. 888, Subsidy Reserve Act of 2015, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves.

H.R. 1389, the American Jobs and Community Revitalization Act (provides a QM Safe Harbor for loans held in portfolio and establishes an application process for treatment as a rural or underserved area for purposes of QM.

H.R. 1408, The Mortgage Servicing Asset Capital Requirements Act (postpones Basel III rules on mortgage servicing assets until their impact can be studied).

H.R. 1529, the Community Institution Mortgage Relief Act (provides a legal safe harbor from escrow requirements for smaller institutions that hold loans in portfolio for 3 years).

H.R. 3468, Credit Union Share Insurance Fund Parity Act (amended the Federal Credit Union Act to extend insurance coverage to IOLTAs.)

H.R. 3791, to raise the consolidated assets threshold under the small bank holding company policy statement.

H.R. 1334, the Holding Company Registration Threshold Equalization Act

H.R. 1259/ S. 871, the Helping Expand Lending Practices (HELP) in Rural Communities Act

S. 1484, the Financial Regulatory Improvement Act of 2015

H.R. 2896/S.3153, the TAILOR Act

H.R. 766/S. 2790, the Financial Institution Consumer Protection Act of 2015

H.R. 1553, the Small Bank Exam Cycle Reform Act of 2015

H.R. 4116, to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker

H.R. 5660, Retail Checking Account Protection Act of 2016

H.R. 4500, Community Bank Reporting Relief Act

H.R 2209, to require the appropriate federal banking agencies to treat certain municipal obligations as level 2A liquid assets

H.R. 5027, to amend the Federal Reserve Act to adjust the circumstances under which Federal Reserve bank stock is callable

H.R. 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes

H.R. 6162, to ensure that prepaid funds deposited in an insured depository institution satisfy the requirements of the primary purpose exclusion to the definition of deposit broker

S. 3404, to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets

Basel Capital Rules

Basel Liquidity Rules

Accountability for Basel/FSB negotiations

Volcker Rule Reform

DoL Fiduciary Rule

H.R. 5983, The Financial CHOICE Act

De novo banks

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Reserve System, Office of Management & Budget (OMB), 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

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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 BNK

16. Specific lobbying issues

H.R 2947, the Financial Institution Bankruptcy Act of 2015

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 CSP

16. Specific lobbying issues

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators).

S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data.

Tailored Regulation

Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act

H.R. 868/S. 448, Veterans TRICARE Choice Act

H.R. 975, Health Freedom for Seniors Act

H.R. 1270/S. 709, Restoring Access to Medication Act of 2015

H.R. 1196, Health Savings Act of 2015

H.R. 1547/S. 836, Family Health Care Flexibility Act

H.R. 2205, the Data Security Act of 2015

H.R. 5445, The Health Care Security Act of 2016

H.R. 5452, The Native American Health Savings Improvement Act

H.R. 5458, The Veterans TRICARE Choice Act

Fair Lending Laws

Small Dollar Lending

Military Lending Act

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

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Federal Reserve System

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 CPT

16. Specific lobbying issues

Patent Reform

H.R. 2045, the Targeting Rogue and Opaque Letters Act of 2015

S. 1137, the PATENT Act

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 ECN

16. Specific lobbying issues

Interest Rate Policies

Interest on Excess Reserves

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

Federal Reserve System, 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 FIN

16. Specific lobbying issues

S. 774, the Financial Institutions Examination Fairness and Reform Act (to improve the examination process).

H.R. 1661, the Mutual Bank Capital Opportunity Act

H.R. 1309, the Systemic Risk Designation Improvement Act of 2015

H.R. 1941, the Financial Institutions Examination Fairness and Reform Act

S. 970, to allow more small insured depository institutions to qualify for the 18-month on-site exam cycle

H.R. 1090, the Retail Investor Protection Act

H.R. 1839, the RAISE Act of 2015

H.R. 4166, the Expanding Proven Financing for American Employers Act

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 GOV

16. Specific lobbying issues

H.R. 1266, the Financial Product and Safety Commission Act of 2015 (to create a commission to ensure that the CFPB remains a strong and effective bipartisan regulator).

H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act (to direct the CFPB to establish an application process to have an area designated as a rural area).

H.R. 1486, Taking Accounts of Bureaucrats Spending Act (TABS) of 2015

H.R. 1660/S. 2722, the Federal Savings Association Charter Flexibility Act (to expand the flexibility of the Federal Savings Charter).

H.R. 1195, the Bureau of Consumer Financial Protection Advisory Board Act (to establish a Small Business Advisory Board with the BCFP).

H.R. 1265, the Bureau Advisory Commission Transparency Act

H.R. 2354, Streamlining Excessive and Costly Regulations Review Act

S. 754, the Cybersecurity Information Sharing Act of 2015

H.R. 6118, The Financial Services Innovation Act

BCFP Oversight

Federal Reserve System 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 HOM

16. Specific lobbying issues

Cybersecurity

H.R. 1560, the Protecting Cyber Networks Act

H.R. 1731, the National Cybersecurity Protection Advancement Act of 2015

S. 2931, the Botnet Prevention Act of 2016

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 HOU

16. Specific lobbying issues

H.R. 685, the Mortgage Choice Act of 2015 (clarifies the QM rules points and fees test).

H.R. 2213/ S. 1711, to provide for a temporary safe harbor from the enforcement of certain mortgage requirements under the RESPA/TILA Integrated Disclosure rules

H.R. 3192, the Homebuyers Assistance Act

S. 1974, the Relationship Lending Preservation Act of 2015

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 INS

16. Specific lobbying issues

H.R. 26, the Terrorism Risk Insurance Reauthorization Act of 2015 (to extend the federal Terrorism Risk Insurance program until December 31, 2020).

S. 1679/H.R. 2901, the Flood Insurance Market Parity and Modernization Act

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 LBR

16. Specific lobbying issues

Fair Labor Standards Act Changes

H.R. 4773/ S. 2707, The Protecting Workplace Advancement and Opportunity Act

H.R. 5813, the Overtime Reform and Enhancement Act

H.R. 6094 , the Regulatory Relief for Small Businesses, Schools and Nonprofits Act

S. 3462, the Regulatory Relief for Small Businesses, Schools, and Nonprofits Act

S. 3464, the Overtime Reform and Review Act

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

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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 LAW

16. Specific lobbying issues

Anti-Money Laundering/BSA

H.R. 957, the CFPB-IG Act of 2015

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 SMB

16. Specific lobbying issues

H.R. 37, the Promoting Job Creation and Reducing Small Business Burdens Act (Volcker Rule CLO Provision).

S. 254, Small Business Health Relief Act of 2015

S. 966, the CREED Act of 2015

S. 2922, the Small Business Lending Oversight Act

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 TAX

16. Specific lobbying issues

Eliminating the Credit Unions Tax Exemption

H.R. 879, Ax the Tax on Middle Class Americans Health Plans Act

H.R. 1169, Health Savings Account Act

H.R. 1494, Retirement Health Savings Act

H.R. 2789, The Capital Access for Small Business Banks Act

H.R. 3287, Community Bank Flexibility Act

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

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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