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

H.R. 4173 [PL111-203] the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R.87 : To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R. 1121: the Responsible Consumer Financial Protection Regulations Act of 2011(Entire Bill); S. 3677, the Financial Services and General Government Appropriations Act of 2011 (Section 745); H.R. 1081: Consumers Payment System Protection Act (Entire Bill);
S. 575, Debit Interchange Fee Study Act of 2011(Entire Bill); S. 493, SBIR/STTR Reauthorization Act of 2011(S.Amdt242 and S.Amdt267); H.R.1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act (Entire Bill); S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 (Entire Bill); H.R. 1026, the Flood Insurance Reform Priorities Act of 2011 (Entire Bill); H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011(Entire Bill); H.R, 1221: Equity in Government Compensation Act of 2011(Entire Bill); H.R. 1222, GSE Subsidy Elimination Act of 2011(Entire Bill); H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011(Entire Bill); H.R. 1224, GSE Portfolio Risk Reduction Act of 2011(Entire Bill); H.R. 1225, GSE Debt Issuance Approval Act of 2011(Entire Bill); H.R. 1226, GSE Mission Improvement Act of 2011(Entire Bill); H.R. 1227, GSE Risk and Activities Limitation Act of 2011(Entire Bill); H.R. 1182, GSE Bailout Elimination and Taxpayer Protection Act (Entire Bill); S. 509, Small Business Lending Enhancement Act of 2011(Entire Bill); Credit Union Tax Exemption; National Commission on Fiscal Responsibility and Reform final report entitled, The Moment of Truth; H.R. 1 Full-Year Continuing Appropriations Act, 2011(Entire Bill); CDFI Appropriations; CLF Appropriations; H.R. 1099, Taxpayers' Freedom of Conscience Act of 2011(Entire Bill); H.R. 6398, to require the Federal Deposit Insurance Corporation to fully insure Interest on Lawyers Trust Accounts (Entire Bill); IOLTA Coverage Parity for Credit Unions; Data Security; Credit Union Capital Reform and Alternative Capital; Electronic Signatures in Global and National Commerce Act (E-SIGN Act) requirements; The S.A.F.E. Mortgage Licensing Act of 2008 (definition of loan originator); Troubled Debt Restructuring; Federal Reserve Board's proposal clarifying certain aspects of the Credit Card Accountability Responsibility and Disclosure Act of 2009; Federal Reserve Board's final rule clarifying certain aspects of the Credit Card Accountability Responsibility and Disclosure Act of 2009; Federal Reserve Board, Regulation Z (Proposed rule on Escrow Accounts); Federal Reserve Board, Regulation Z (Final rule on Escrow Accounts); Federal Reserve Board, Regulation Z (Proposed Rule on Risk-Base Pricing); National Credit Union Administration (NCUA) corporate stabilization assessments; NCUA's corporate stabilization plan; Federal Reserve Board's proposed rule with respect to debit card interchange fees and routing; NCUA Merger Partner registry; NCUA rule with respect to fiduciary duties for directors at federal credit unions; NCUA interim Interpretive Ruling and Policy Statement (IRPS) on NCUA's supervisory committee; NCUA proposed rule on temporary insurance coverage of non-interest bearing transaction accounts; NCUA rulemaking regarding incentive-based compensation; Joint proposed rule by the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) on the definitions of "swap dealer" and related terms; NCUA proposed rule on sample income data to obtain the agency's low income designation; National Credit Union Share Insurance Fund (NCUSIF); NCUA proposed rule on advertising and notice of insured status; The NCUA's Office of Consumer Protection (OCP) procedures for addressing consumer complaints; NCUA Regulatory Flexibility program; The Federal Housing Finance Agency's (FHFA) Advance Notice of Proposed Rule-making on requirements for Federal Home Loan Bank membership; NCUA Final Interpretive Ruling and Policy Statement (IRPS) on corporate chartering; NCUA proposed rule on credit ratings; NCUA proposed rule on Interest Rate Risk Management; NCUA final rule on Overdraft Protection; Prompt corrective action and net worth; risk based capital standards; credit union community charter conversions; NCUA final rule on mergers and credit union conversions; Federal Trade Commission Pre-Merger Notification Requirements under the Hart-Scott Rodino Act of 1976; credit union governance; Credit Union Broker-Dealer Registration Requirements under the Gramm-Leach-Bliley Act of 1999; Reform of the Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Interchange Fees; Financial Regulatory Reform. Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); Troubled Asset Relief Program (TARP); Community Reinvestment Act (CRA); Credit Union Member Business Lending; Mortgage Bankruptcy Cramdown; SBA Loan Guarantee; Mark to Market Accounting Rules; Remittances; National Flood Insurance Program (NFIP); Credit Risk Retention; Asset-Backed Securities; Real Estate Appraiser Independence; Executive Compensation; Risk-based capital; Mortgage Loan Originator Registration under the S.A.F.E Mortgage Licensing Act of 2008; Consumer Financial Protection Bureau.

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

Natl Credit Union Administration (NCUA), Small Business Adminstration (SBA), Defense - Dept of (DOD), Homeland Security - Dept of (DHS), Federal Reserve System, Treasury - Dept of, Federal Deposit Insurance Commission (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 Board (FHFB), Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Commodity Futures Trading Commission (CFTC),

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 FIN

16. Specific lobbying issues

H.R. 4173 [PL111-203] the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R.87 : To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R. 1121: the Responsible Consumer Financial Protection Regulations Act of 2011(Entire Bill); S. 3677, the Financial Services and General Government Appropriations Act of 2011 (Section 745); H.R. 1081: Consumers Payment System Protection Act (Entire Bill);
S. 575, Debit Interchange Fee Study Act of 2011(Entire Bill); S. 493, SBIR/STTR Reauthorization Act of 2011(S.Amdt242 and S.Amdt267); H.R.1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act (Entire Bill); S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 (Entire Bill); H.R. 1026, the Flood Insurance Reform Priorities Act of 2011 (Entire Bill); H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011(Entire Bill); H.R, 1221: Equity in Government Compensation Act of 2011(Entire Bill); H.R. 1222, GSE Subsidy Elimination Act of 2011(Entire Bill); H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011(Entire Bill); H.R. 1224, GSE Portfolio Risk Reduction Act of 2011(Entire Bill); H.R. 1225, GSE Debt Issuance Approval Act of 2011(Entire Bill); H.R. 1226, GSE Mission Improvement Act of 2011(Entire Bill); H.R. 1227, GSE Risk and Activities Limitation Act of 2011(Entire Bill); H.R. 1182, GSE Bailout Elimination and Taxpayer Protection Act (Entire Bill); S. 509, Small Business Lending Enhancement Act of 2011(Entire Bill); Credit Union Tax Exemption; National Commission on Fiscal Responsibility and Reform final report entitled, The Moment of Truth; H.R. 1 Full-Year Continuing Appropriations Act, 2011(Entire Bill); CDFI Appropriations; CLF Appropriations; H.R. 1099, Taxpayers' Freedom of Conscience Act of 2011(Entire Bill); H.R. 6398, to require the Federal Deposit Insurance Corporation to fully insure Interest on Lawyers Trust Accounts (Entire Bill); IOLTA Coverage Parity for Credit Unions; Data Security; Credit Union Capital Reform and Alternative Capital; Electronic Signatures in Global and National Commerce Act (E-SIGN Act) requirements; The S.A.F.E. Mortgage Licensing Act of 2008 (definition of loan originator); Troubled Debt Restructuring; Federal Reserve Board's proposal clarifying certain aspects of the Credit Card Accountability Responsibility and Disclosure Act of 2009; Federal Reserve Board's final rule clarifying certain aspects of the Credit Card Accountability Responsibility and Disclosure Act of 2009; Federal Reserve Board, Regulation Z (Proposed rule on Escrow Accounts); Federal Reserve Board, Regulation Z (Final rule on Escrow Accounts); Federal Reserve Board, Regulation Z (Proposed Rule on Risk-Base Pricing); National Credit Union Administration (NCUA) corporate stabilization assessments; NCUA's corporate stabilization plan; Federal Reserve Board's proposed rule with respect to debit card interchange fees and routing; NCUA Merger Partner registry; NCUA rule with respect to fiduciary duties for directors at federal credit unions; NCUA interim Interpretive Ruling and Policy Statement (IRPS) on NCUA's supervisory committee; NCUA proposed rule on temporary insurance coverage of non-interest bearing transaction accounts; NCUA rulemaking regarding incentive-based compensation; Joint proposed rule by the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) on the definitions of "swap dealer" and related terms; NCUA proposed rule on sample income data to obtain the agency's low income designation; National Credit Union Share Insurance Fund (NCUSIF); NCUA proposed rule on advertising and notice of insured status; The NCUA's Office of Consumer Protection (OCP) procedures for addressing consumer complaints; NCUA Regulatory Flexibility program; The Federal Housing Finance Agency's (FHFA) Advance Notice of Proposed Rule-making on requirements for Federal Home Loan Bank membership; NCUA Final Interpretive Ruling and Policy Statement (IRPS) on corporate chartering; NCUA proposed rule on credit ratings; NCUA proposed rule on Interest Rate Risk Management; NCUA final rule on Overdraft Protection; Prompt corrective action and net worth; risk based capital standards; credit union community charter conversions; NCUA final rule on mergers and credit union conversions; Federal Trade Commission Pre-Merger Notification Requirements under the Hart-Scott Rodino Act of 1976; credit union governance; Credit Union Broker-Dealer Registration Requirements under the Gramm-Leach-Bliley Act of 1999; Reform of the Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Interchange Fees; Financial Regulatory Reform. Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); Troubled Asset Relief Program (TARP); Community Reinvestment Act (CRA); Credit Union Member Business Lending; Mortgage Bankruptcy Cramdown; SBA Loan Guarantee; Mark to Market Accounting Rules; Remittances; National Flood Insurance Program (NFIP); Credit Risk Retention; Asset-Backed Securities; Real Estate Appraiser Independence; Executive Compensation; Risk-based capital; Mortgage Loan Originator Registration under the S.A.F.E Mortgage Licensing Act of 2008; Consumer Financial Protection Bureau.

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

Natl Credit Union Administration (NCUA), Small Business Adminstration (SBA), Defense - Dept of (DOD), Homeland Security - Dept of (DHS), Federal Reserve System, Treasury - Dept of, Federal Deposit Insurance Commission (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 Board (FHFB), Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), U.S. HOUSE OF REPRESENTATIVES, U.S. SENATE, Commodity Futures Trading Commission (CFTC),

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; National Commission on Fiscal Responsibility and Reform final report entitled "The Moment of Truth."

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

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

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: 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