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

Consumer Financial Protection Bureaus (CFPB) request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures; U.S. Department of Education rule making on student accounts in receipt of Title IV Higher Education Act program funds; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; Federal Housing Finance Agencys calculation to the Housing Price Index; Federal Reserve Boards proposed enhancements to the Federal Reserve Banks Automated Cleaning House Service; U.S. Department of Housing and Urban Development on its proposed revisions to the HUD Addendum to Uniform Residential Loan Application; U.S. Department of Housing and Urban Development proposed rule to the Federal Housing Administrations single-family procedures for filing and calculating claims under the insurance program; National Credit Union Administrations (NCUA) request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996; Federal Financial Institutions Examination Council Cybersecurity Assessment Tool; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NCUAs request for comment on the collection of information related to the final interagency policy statement on diversity policies and practices; NCUAs 2015 Regulatory Review; NCUAs mid-year budget review; NCUAs rules and regulations governing share insurance coverage; NCUAs risk-based capital proposal;
Retention of the credit union tax exemption; Cyber security; Data security;S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; H.R. 3038: Highway Transportation Funding Act of 2015; Funding for the Highway Transportation Funding Act of 2015; Additional mortgage reporting requirements for lenders to the Internal Revenue Service; NCUA budget transparency; NCUA third party vendor authority; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility; obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S.A. 2607 to Senate cybersecurity legislation that would allow NCUA to regulate and examine service providers to credit unions; Agency use of regulatory guidance; Overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 601: Eliminate Privacy Notice Confusion Act; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees;H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ Lifting MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 1233: CLEARR Act of 2015; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act;H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; H.R. 2213: To provide for a safe harbor from the enforcement of integrated disclosure requirements for TILA/RESPA; H.R. 2287: To require public hearings on NCUAs budget; H.R. 2769: Risk-Based Capital Study Act; H.R. 3048: Community Financial Institution Exemption Act; H.R. 3192: Homebuyers Assistance Act; S. 423: Privacy Notice Modernization Act of 2015; S. 482: Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 812: CLEAR Relief Act of 2015; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; S. 1484: Financial Regulatory Improvement Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; S. 1711: to provide a temporary safe harbor from enforcement of integrated disclosure requirements for mortgage loan transactions under TILA-RESPA; FHFA membership access proposal; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015;H.R. 2896 TAILOR Act of 2015.

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

Natl Credit Union Administration (NCUA), Small Business Administration (SBA), Defense - Dept of (DOD), Homeland Security - Dept of (DHS), Federal Reserve System, Treasury - Dept of, Federal Deposit Insurance Corporation (FDIC), Securities & Exchange Commission (SEC), Housing & Urban Development - Dept of (HUD), Office of the Comptroller of the Currency (OCC), Government Accountability Office (GAO), White House Office, Federal Housing Finance Agency (FHFA), Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission (CFTC), Justice - Dept of (DOJ), 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 FIN

16. Specific lobbying issues

Consumer Financial Protection Bureaus (CFPB) request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures; U.S. Department of Education rule making on student accounts in receipt of Title IV Higher Education Act program funds; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; Federal Housing Finance Agencys calculation to the Housing Price Index; Federal Reserve Boards proposed enhancements to the Federal Reserve Banks Automated Cleaning House Service; U.S. Department of Housing and Urban Development on its proposed revisions to the HUD Addendum to Uniform Residential Loan Application; U.S. Department of Housing and Urban Development proposed rule to the Federal Housing Administrations single-family procedures for filing and calculating claims under the insurance program; National Credit Union Administrations (NCUA) request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996; Federal Financial Institutions Examination Council Cybersecurity Assessment Tool; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NCUAs request for comment on the collection of information related to the final interagency policy statement on diversity policies and practices; NCUAs 2015 Regulatory Review; NCUAs mid-year budget review; NCUAs rules and regulations governing share insurance coverage; NCUAs risk-based capital proposal;
Retention of the credit union tax exemption; Cyber security; Data security;S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; H.R. 3038: Highway Transportation Funding Act of 2015; Funding for the Highway Transportation Funding Act of 2015; Additional mortgage reporting requirements for lenders to the Internal Revenue Service; NCUA budget transparency; NCUA third party vendor authority; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility; obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S.A. 2607 to Senate cybersecurity legislation that would allow NCUA to regulate and examine service providers to credit unions; Agency use of regulatory guidance; Overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 601: Eliminate Privacy Notice Confusion Act; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees;H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ Lifting MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 1233: CLEARR Act of 2015; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act;H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; H.R. 2213: To provide for a safe harbor from the enforcement of integrated disclosure requirements for TILA/RESPA; H.R. 2287: To require public hearings on NCUAs budget; H.R. 2769: Risk-Based Capital Study Act; H.R. 3048: Community Financial Institution Exemption Act; H.R. 3192: Homebuyers Assistance Act; S. 423: Privacy Notice Modernization Act of 2015; S. 482: Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 812: CLEAR Relief Act of 2015; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; S. 1484: Financial Regulatory Improvement Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; S. 1711: to provide a temporary safe harbor from enforcement of integrated disclosure requirements for mortgage loan transactions under TILA-RESPA; FHFA membership access proposal; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896 TAILOR Act of 2015.

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

Natl Credit Union Administration (NCUA), Small Business Administration (SBA), Defense - Dept of (DOD), Homeland Security - Dept of (DHS), Federal Reserve System, Treasury - Dept of, Federal Deposit Insurance Corporation (FDIC), Securities & Exchange Commission (SEC), Housing & Urban Development - Dept of (HUD), Office of the Comptroller of the Currency (OCC), Government Accountability Office (GAO), White House Office, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission (CFTC), Justice - Dept of (DOJ), U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Federal Housing Finance Agency (FHFA), 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 TAX

16. Specific lobbying issues

credit union tax exemption; retention of the credit union tax exemption in any reform efforts

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

Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Treasury - Dept of, White House Office, U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Federal Trade Commission (FTC), 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

​

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: http://www.nafcu.org/Tertiary.aspx?id=17818

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