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

Please see addendum.
Issues related to credit union operations
Issues related to credit union field of membership
Issues related to credit union service organizations
Issues related to vacancies on the National Credit Union Administration (NCUA) Board
Issues related to NCUAs proposed rule on credit union service organizations
Issues related to NCUAs rule on net worth and bargain purchase agreements
Issues related to NCUAs low income designation regulations
Issues related to NCUA examination procedures
Issues related to NCUAs proposed rule regarding loan participations
Issues related to NCUAs regulation regarding its regulatory flexibility program
Issues related to NCUAs proposed rule regarding emergency liquidity
Issues related to material loss reports of the NCUA Office of Inspector General
Issues related to the authority of the CFPB to exempt credit unions from its rulemaking
Issues related to the CFPB proposal related to remittances and international wire transfers
Issues related to the proposed CFPB form on RESPA/TILA
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 high-cost mortgage loans (HOEPA)
Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay
Issues related to reverse mortgages
Issues related to the Financial Accounting Standards Board (FASB)
Issues related to mark-to-market accounting
Issues related to private equity standards
Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act
Issues related to data and cyber security
Issues related to mobile banking and mobile payments
Issues related to the oversight of the Federal Housing Administration
Issues related to USDA Rural Development Loan program
Issues related to identity theft and fraud reduction
Issues related to student lending
Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives
Issues related to the Federal Home Loan Bank System
Issues related to short term lending products and advance deposit products
Issues related to patent reform
Issues related to Federal Credit Union bylaws
Issues related to NCUAs Minority Depository Institution program
Issues relating to home-based credit unions
Issues related to NCUAs Appraisal Management Company proposal
Issues related to NCUAs risk-based capital proposal
Issues related to the Johnson-Crapo Housing Finance Reform proposal
Issues related to NCUAs proposed rule on securitization
Issues related to NCUAs regulatory review process
Issues related to Ginnie Mae capital
Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board
Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act
Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014
Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act
Issues related to credit union service to marijuana businesses
Issues related to financial literacy
Issues related to the Department of Justices investigation entitled, Operation Choke Point
Issues related to membership eligibility in the Federal Home Loan Bank System.

H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions
H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions
H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions
H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions
H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions
H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions
H.R. 839, Prompt Notification of Short Sale Act, all provisions
H.R. 861, Elder Abuse Victims Act of 2013, all provisions
H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions
H.R. 1077, Consumer Mortgage Choice Act
H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions
H.R. 1261, Overdraft Protection Act of 2013, all provisions
H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions
H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions
H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions
H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions
H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions
H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions
H.R. 1750, the CLEAR Relief Act, all provisions
H.R. 1754, Preserving American Homeownership Act of 2013, all provisions
H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions
H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions
H.R. 2136, Small Business Credit Availability Act, all provisions
H.R. 2295, Basel III CASE Act, all provisions
H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions
H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions
H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions
H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions
H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions
H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions
H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions
H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions
H.R. 2652, Marijuana Businesses Access to Banking Act of 2013
H.R. 2672, CFPB Rural Designation Petition and Correction Act
H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions
H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013
H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013
H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages.
H.R. 2917, Financial Security Credit Act of 2013
H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes.
H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes.
H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions
H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions
H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions
H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions
H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions.
H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions
H.R. 3374, the American Savings Promotion Act, all provisions
H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions
H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions
H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act, all provisions
H.R. 4226, Credit Union Residential Loan Parity Act, all provisions
H.R. 4466, the Financial Regulatory Clarity Act of 2014
H.R. 4521, the Community Institution Mortgage Relief Act, all provisions
H.R. 4626, the SAFE Act Confidentiality and Privilege Enhancement Act, all provisions
H.R. 4804, the Bureau Examination Fairness Act, all provisions
H.R. 4986, End Operation Choke Point Act, all provisions
H.R. 5148, Access to Affordable Mortgages Act, all provisions
H.R. 5403, Reforming CFPB Indirect Auto Financing Guidance Act, all provisions
H.R. 5461, a Bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes, Title II and Title III.


Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act

S. 113, Know Before You Owe Private Student Loan Act, all provisions
S. 114, Fairness for Struggling Student Act, all provisions
S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions
S. 187, Deceptive Loan Check Elimination Act, all provisions
S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions
S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions
S. 361, Prompt Notification of Short Sale Act of 2013, all provisions
S. 450, Financial Regulatory Responsibility Act of 2013, all provisions
S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions
S. 563, Jumpstart GSE Reform Act, all provisions
S. 635, Privacy Notice Modernization Act of 2013, all provisions
S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions
S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions
S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions
S. 731, Basel III CASE Act, all provisions
S. 733, Basel III Impact Study Act, all provisions
S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions
S. 872, Holding Company Registration Threshold Equalization Act, all provisions
S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions
S. 968, Small Business Lending Enhancement Act, all provisions
S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions
S. 996, a bill to improve the National Flood Insurance Program, all provisions
S. 1002, Home Building Lending Improvement Act, all provisions
S. 1048, the Mortgage Finance Act, all provisions
S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions
S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions
S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions
S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions
S. 1282, 21st Century Glass-Steagall Act of 2013
S. 1349, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes.
S. 1511, the Mortgage Choice Act, all provisions
S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions
S. 1538, FIX Credit Reporting Errors Act, all provisions
S. 1577, Mortgage Choice Act, all provisions
S. 1597, the American Savings Promotion Act, all provisions
S. 1610, Homeowner Flood Insurance Affordability Act, all provisions
S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions
S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions
S. 1916, the HELP Rural Communities Act, all provisions
S. 2641, the Portfolio Lending Enhancement Act, all provisions
S. 2698, the Regulatory Easement for Lending Institutions Act, Title II and Title III.
S. 2699, a Bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes.


S. Res. 105, a resolution designating April 2013 as Financial Literacy Month

Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions
Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions
Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

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

U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Commission (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Natl Credit Union Administration (NCUA), Securities & Exchange Commission (SEC), 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 BNK

16. Specific lobbying issues

S. 114, Fairness for Struggling Students Act, all provisions

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

U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Justice - Dept of (DOJ), 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 BUD

16. Specific lobbying issues

Please see addendum.
Issues related to the Community Development Revolving Loan Fund (CDRLF)
Issues related to the Community Development Financial Institution Fund (CDFIF)

S.Amdt 389 to S.Con.Res. 8, related to the regulatory burden of community financial institutions
S.Amdt 594 to S.Con.Res. 8, related to the use of guarantee fees paid to government sponsored enterprises
S. 1371, Financial Services and General Government Appropriations Act, 2014, provisions related to the National Credit Union Administration

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

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

Please see addendum.
Issues related to patent litigation reform

H.R. 3309, the Innovation Act, all provisions

S. 866, the Patent Quality Improvement Act, all provisions
S. 1013, the Patent Abuse Reduction Act, all provisions
S. 1612, the Patent Litigation Integrity Act, all provisions
S. 1720, the Patent Transparency and Improvements Act, all provisions

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

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 ECN

16. Specific lobbying issues

H.R. 2437, a bill to authorize the Secretary of Housing and Urban Development to establish a national program to create jobs and increase economic development by promoting cooperative development, all provisions.

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

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 FOR

16. Specific lobbying issues

Please see addendum.
Issues related to the development of credit cooperatives in Afghanistan
Issues related to the development of credit cooperatives in Libya
Issues related to the implementation of the remittances provisions in the Dodd-Frank Act
Issues related to the Foreign Assistance Act of 1961.
Issues related to the Overseas Private Investment Corporations cooperative development projects
Issues related to OPICs Certificates of Participation and other OPIC-guarantee programs
Issues related to USAIDs Cooperative Development Program
Issues related to maintaining credit cooperatives in Ukraine

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

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

16. Specific lobbying issues

H.R. 2282, a bill to regulate Internet gambling and to provide consumer protections, all provisions

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

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 GOV

16. Specific lobbying issues

Please see addendum.
H.R. 367, Regulations from the Executive in Need of Scrutiny Act of 2013, all provisions
H.R. 2385, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to set the rate of pay for employees of the Bureau of Consumer Financial Protection in accordance with the General Schedule, all provisions
H.R. 2402, Consumer Financial Protection Commission Act, all provisions
H.R. 2446, a bill to replace the Director of the Bureau of Consumer Financial Protection with a five person Commission, all provisions
H.R. 2779, To establish a separate Inspector General for the Bureau of Consumer Financial Protection
H.R. 3770, the CFPB-IG Act, all provisions
H.R. 4262, the Bureau Advisory Commission Transparency Act
H.R. 4383, the Bureau of Consumer Financial Protection Small Business Board, all provisions
H.R. 4662, the Bureau Advisory Opinion Act, all provisions

S. 15, Regulations from the Executive in Need of Scrutiny Act of 2013, all provisions

Pittenger Amendment in the nature of a substitute to H.R. 4383, the CFPB Small Business Board Act, provisions related to the codification of the Credit Union Advisory Council at the CFPB.

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

U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Federal Deposit Insurance Commission (FDIC), Federal Reserve System, Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), 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 HOM

16. Specific lobbying issues

H.R. 2281, a bill to combat cyber espionage of intellectual property of United States persons, all provisions

S. 2588, the Cybersecurity Information Sharing Act, all provisions

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

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 INT

16. Specific lobbying issues

Issues related to cyber security
H.R. 624, Cyber Intelligence Sharing and Protection Act, all provisions

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

U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Federal Reserve System, Homeland Security - Dept of (DHS), Natl Credit Union Administration (NCUA), Treasury - Dept of, White House Office

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

Please see addendum.
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 Camp Tax Reform proposal

H.R. 243, Bowles-Simpson Plan of Lowering Americas Debt Act, all provisions
H.R. 892, the S Corporation Modernization Act, all provisions

S. 268, Cut Unjustified Tax (CUT) Loopholes Act, all provisions
S. 887, a bill to repeal the violation of sovereign nations laws and privacy matters, all provisions

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), 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

​

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