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

Financial Institutions Examination Fairness and Reform Act (H.R. 3461 / S. 2160); The Small Business Lending Enhancement Act (H.R. 1418 / S. 509/ S. 2231); credit union member business lending; The Jumpstart Our Business Startups Act (H.R. 3606); Udall amendment (S.Amdt 1831) to H.R. 3606 to raise the credit union member business lending cap; Providing for consideration of H.R. 3606 (H.Res.572); Communities First Act (H.R. 1697); Restore Main Streets Credit Act (H.R. 4293); Credit Union Small Business
Lending Act (H.R. 4191); Small Business Administration loan guarantee and lending programs; Capital Access for Small Businesses and Jobs Act (H.R. 3993); credit union access to supplemental capital; To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (H.R. 3871 / H.R. 4014 / S.2099); confidentiality of information provided by a financial institution to the Consumer Financial Protection Bureau; Government Sponsored Enterprise Reform; strategic defaults on mortgage loans; principal reduction on mortgage loans; mortgage bankruptcy cram-down; housing finance reform; The Private Mortgage Market Investment Act (H.R. 3654); Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463); Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436); The Housing Trust Fund Elimination Act (H.R. 2441); The Market Transparency and Taxpayer Protection Act (H.R. 2440); Cap the GSE Bailout Act (H.R. 2462); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act (H.R. 31); Equity in Government Compensation Act of 2011 (H.R. 1221); GSE Subsidy Elimination Act of 2011 (H.R. 1222); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224); GSE Debt Issuance Approval Act of 2011 (H.R. 1225); GSE Mission Improvement Act of 2011 (H.R. 1226); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182); Housing Finance Reform Act of 2011 (H.R. 1859); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413); Residential Mortgage Market Privatization and Standardization Act of 2011 (S. 1834); Federal Home Loan Bank oversight issues; Qualified Residential Mortgage (QRM) definition; Fannie Mae / Freddie Mac guarantee-fee structure; Mortgage Servicing Standards; 30 year fixed-rate mortgage; Credit union tax exemption; Pay Roll Tax Extension Middle Class Tax Relief and Job Creation Act of 2012 (H.R. 3630); Temporary Payroll Tax Cut Continuation Act of 2011(H.R. 3765 / P.L. 122-78); Interchange Fees; Debit Interchange Fees; Consumers Payment System Protection Act (H.R. 1081); Debit Interchange Fee Study Act of 2011 (S.575 and S.Amdt. # 392); Flood insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091); National Flood Insurance Program Extension Act (S. 1548); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026); Data Security; Cyber Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315); Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Regulatory Relief for Credit Unions; Credit union capital under prompt corrective action; Credit unions and ability to add underserved areas to their fields of membership; Community charter conversions involving employee group credit unions; NCUA authority to establish longer maturities for certain credit union loans; Credit union governance issues; Voluntary credit union mergers involving multiple common bond credit unions; Interest on Lawyers Trust Accounts; Automatic Teller Machine (ATM) fee disclosures; Service members Civil Relief Act; Military Lending Act; Military Installation & Military Personnel Financial Services;; BRAC (Defense Base Closure and Realignment Commission); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); Consumer Financial Protection Bureau (CFPB); CFPB request for comment on regulatory streamlining (Regulation Z, relating to mortgages and credit cards lender cost of funds disclosure required on mortgage disclosures changes to the rules implementing the Mortgage Disclosure Improvement Act; changes that would permit a credit card issuer to consider household income when determining whether a consumer has the ability to repay; modifying requirement to reevaluate APR increases; requirement that lenders provide borrowers an annual statement regarding billing rights; higher transaction threshold for coverage under Reg Z similar exemption for the special rules for private student loans; Regulation E ATM fee disclosure notices; truncation of account number on periodic statement; Regulation E annual notice regarding error resolution; Regulation P requirement of annual privacy notices; Regulation C- institutions that refinance a single loan in a calendar year must file a Home Mortgage Disclosure Act (HMDA) report; Regulation V regarding lenders making firm offers of credit to include opt-out disclosures; Regulation B adverse action notices; CFPB draft of the prototype mortgage disclosure forms to be provided at settlement; CFPB potential changes to Regulation Z, and encouraging mindfulness of obligations under the Small Business Regulatory Enforcement and Fairness Act; CFPB request for comment on disclosure requirements for depository institutions lacking federal deposit insurance; credit union representation on CFPB advisory panels; CFPB proposed disclosure
policy regarding credit card complaint data; CFPB draft credit card disclosure; FHFA strategic plan for enterprise conservatorship; FHFA proposed rule to require Federal Home Loan Banks to verify a members Community Reinvestment Act rating from publicly available information from the members banking regulatory agency; NCUA advanced notice of proposed rulemaking on potential independent authority for credit unions to engage in derivatives; Department of Housing and Urban Development and the Federal Housing Administration, concerns about strategic default on home mortgages; Internal Revenue Service definition of government plan under the Internal Revenue Code (IRC) 414(d); NCUA implementation of Section 342 of the Dodd-Frank Act regaring diversity policies and practices; NCUA regulations on community charters where the community in question is also a rural district; NCUA proposed rule on loan workouts and nonaccrual policy, and regulatory reporting of troubled debt restructured loans; NCUA proposed changes to the RegFlex program; NCUA proposed rule on loan participations; NCUA proposals on maintaining access to emergency liquidity; Federal Reserve proposed changes to Regulation D regarding reserve requirements for depository institutions; Federal Reserve request for comment regarding surveys to be conducted to help implement section 920 of the Electronic Fund transfer Act; NACHA-the Electronic Payments Association proposed rule on Expedited Processing and Settlement (EPS); Financial Crimes Enforcement Network regarding the Bank Secrecy Act reports; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage (CFPB); Federal Reserve proposed changes to Regulation E regarding international remittance transfers (CFPB); National Credit Union Administration proposed rule regarding Credit Union Services Organizations; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances.

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), Commodity Futures Trading Commission (CFTC), 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

Financial Institutions Examination Fairness and Reform Act (H.R. 3461 / S. 2160); The Small Business Lending Enhancement Act (H.R. 1418 / S. 509/ S. 2231); credit union member business lending; The Jumpstart Our Business Startups Act (H.R. 3606); Udall amendment (S.Amdt 1831) to H.R. 3606 to raise the credit union member business lending cap; Providing for consideration of H.R. 3606 (H.Res.572); Communities First Act (H.R. 1697); Restore Main Streets Credit Act (H.R. 4293); Credit Union Small Business
Lending Act (H.R. 4191); Small Business Administration loan guarantee and lending programs; Capital Access for Small Businesses and Jobs Act (H.R. 3993); credit union access to supplemental capital; To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (H.R. 3871 / H.R. 4014 / S.2099); confidentiality of information provided by a financial institution to the Consumer Financial Protection Bureau; Government Sponsored Enterprise Reform; strategic defaults on mortgage loans; principal reduction on mortgage loans; mortgage bankruptcy cram-down; housing finance reform; The Private Mortgage Market Investment Act (H.R. 3654); Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463); Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436); The Housing Trust Fund Elimination Act (H.R. 2441); The Market Transparency and Taxpayer Protection Act (H.R. 2440); Cap the GSE Bailout Act (H.R. 2462); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act (H.R. 31); Equity in Government Compensation Act of 2011 (H.R. 1221); GSE Subsidy Elimination Act of 2011 (H.R. 1222); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224); GSE Debt Issuance Approval Act of 2011 (H.R. 1225); GSE Mission Improvement Act of 2011 (H.R. 1226); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182); Housing Finance Reform Act of 2011 (H.R. 1859); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413); Residential Mortgage Market Privatization and Standardization Act of 2011 (S. 1834); Federal Home Loan Bank oversight issues; Qualified Residential Mortgage (QRM) definition; Fannie Mae / Freddie Mac guarantee-fee structure; Mortgage Servicing Standards; 30 year fixed-rate mortgage; Credit union tax exemption; Pay Roll Tax Extension Middle Class Tax Relief and Job Creation Act of 2012 (H.R. 3630); Temporary Payroll Tax Cut Continuation Act of 2011(H.R. 3765 / P.L. 122-78); Interchange Fees; Debit Interchange Fees; Consumers Payment System Protection Act (H.R. 1081); Debit Interchange Fee Study Act of 2011 (S.575 and S.Amdt. # 392); Flood insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091); National Flood Insurance Program Extension Act (S. 1548); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026); Data Security; Cyber Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315); Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Regulatory Relief for Credit Unions; Credit union capital under prompt corrective action; Credit unions and ability to add underserved areas to their fields of membership; Community charter conversions involving employee group credit unions; NCUA authority to establish longer maturities for certain credit union loans; Credit union governance issues; Voluntary credit union mergers involving multiple common bond credit unions; Interest on Lawyers Trust Accounts; Automatic Teller Machine (ATM) fee disclosures; Service members Civil Relief Act; Military Lending Act; Military Installation & Military Personnel Financial Services;; BRAC (Defense Base Closure and Realignment Commission); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); Consumer Financial Protection Bureau (CFPB); CFPB request for comment on regulatory streamlining (Regulation Z, relating to mortgages and credit cards lender cost of funds disclosure required on mortgage disclosures changes to the rules implementing the Mortgage Disclosure Improvement Act; changes that would permit a credit card issuer to consider household income when determining whether a consumer has the ability to repay; modifying requirement to reevaluate APR increases; requirement that lenders provide borrowers an annual statement regarding billing rights; higher transaction threshold for coverage under Reg Z similar exemption for the special rules for private student loans; Regulation E ATM fee disclosure notices; truncation of account number on periodic statement; Regulation E annual notice regarding error resolution; Regulation P requirement of annual privacy notices; Regulation C- institutions that refinance a single loan in a calendar year must file a Home Mortgage Disclosure Act (HMDA) report; Regulation V regarding lenders making firm offers of credit to include opt-out disclosures; Regulation B adverse action notices; CFPB draft of the prototype mortgage disclosure forms to be provided at settlement; CFPB potential changes to Regulation Z, and encouraging mindfulness of obligations under the Small Business Regulatory Enforcement and Fairness Act; CFPB request for comment on disclosure requirements for depository institutions lacking federal deposit insurance; credit union representation on CFPB advisory panels; CFPB proposed disclosure
policy regarding credit card complaint data; CFPB draft credit card disclosure; FHFA strategic plan for enterprise conservatorship; FHFA proposed rule to require Federal Home Loan Banks to verify a members Community Reinvestment Act rating from publicly available information from the members banking regulatory agency; NCUA advanced notice of proposed rulemaking on potential independent authority for credit unions to engage in derivatives; Department of Housing and Urban Development and the Federal Housing Administration, concerns about strategic default on home mortgages; Internal Revenue Service definition of government plan under the Internal Revenue Code (IRC) 414(d); NCUA implementation of Section 342 of the Dodd-Frank Act regaring diversity policies and practices; NCUA regulations on community charters where the community in question is also a rural district; NCUA proposed rule on loan workouts and nonaccrual policy, and regulatory reporting of troubled debt restructured loans; NCUA proposed changes to the RegFlex program; NCUA proposed rule on loan participations; NCUA proposals on maintaining access to emergency liquidity; Federal Reserve proposed changes to Regulation D regarding reserve requirements for depository institutions; Federal Reserve request for comment regarding surveys to be conducted to help implement section 920 of the Electronic Fund transfer Act; NACHA-the Electronic Payments Association proposed rule on Expedited Processing and Settlement (EPS); Financial Crimes Enforcement Network regarding the Bank Secrecy Act reports; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage (CFPB); Federal Reserve proposed changes to Regulation E regarding international remittance transfers (CFPB); National Credit Union Administration proposed rule regarding Credit Union Services Organizations; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances.

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), Commodity Futures Trading Commission (CFTC), 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 TAX

16. Specific lobbying issues

Credit union tax exemption; statutory federal debt limit; Joint Select Committee on Deficit Reduction; Budget Control Act of 2011 (P.L.112-25); Pay Roll Tax Extension Middle Class Tax Relief and Job Creation Act of 2012 (H.R. 3630); Temporary Payroll Tax Cut Continuation Act of 2011(H.R. 3765 / P.L. 122-78).

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

​

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