AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS for AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA

Banking BAN

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

Contacted: Justice, Dept of (DOJ); Securities & Exchange Commission (SEC); Treasury, Dept of; Natl Credit Union Administration (NCUA); HOUSE OF REPRESENTATIVES; SENATE; Agriculture, Dept of (USDA); Internal Revenue Service (IRS); Executive Office of the President (EOP); Federal Trade Commission (FTC); Office of Government Ethics (OGE); Commodity Futures Trading Commission (CFTC); Federal Reserve System; Small Business Administration (SBA); Homeland Security, Dept of (DHS); Federal Deposit Insurance Corporation (FDIC)

Bills named: S. 172 (113th), S.Res. 105 (113th), H.R. 839 (113th), H.R. 719 (113th), H.R. 1077 (113th), H.R. 2580 (113th), H.R. 1754 (113th), H.R. 2561 (113th), H.R. 1255 (113th), S. 1002 (113th), S. 727 (113th), S. 249 (113th), H.R. 2379 (113th), H.R. 2419 (113th), S. 450 (113th), S. 205 (113th), H.R. 736 (113th), S. 1176 (113th), S. 635 (113th), S. 114 (113th), S. 1098 (113th), S. 187 (113th), H.R. 2295 (113th), S. 1229 (113th), S. 996 (113th), H.R. 1261 (113th), S. 733 (113th), H.R. 1960 (113th), S. 451 (113th), H.R. 749 (113th), H.R. 1538 (113th), S. 947 (113th), S. 968 (113th), H.R. 1694 (113th), S. 113 (113th), H.R. 1566 (113th), S. 1048 (113th), S. 731 (113th), H.R. 2512 (113th), H.R. 1779 (113th), H.R. 1862 (113th), H.R. 1553 (113th), S. 1217 (113th), H.R. 861 (113th), S. 798 (113th), H.R. 801 (113th), H.R. 927 (113th), H.R. 2572 (113th), H.R. 1603 (113th), S. 872 (113th), H.R. 688 (113th), H.R. 2571 (113th), S. 563 (113th), H.R. 1750 (113th), H.R. 450 (113th), S. 673 (113th), H.R. 2547 (113th), H.R. 2136 (113th), S. 361 (113th)

Budget/Appropriations BUD

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

Contacted: Federal Trade Commission (FTC); SENATE; Office of Government Ethics (OGE); Natl Credit Union Administration (NCUA); Executive Office of the President (EOP); Small Business Administration (SBA); Federal Deposit Insurance Corporation (FDIC); Homeland Security, Dept of (DHS); Internal Revenue Service (IRS); Agriculture, Dept of (USDA); Federal Reserve System; Justice, Dept of (DOJ); Treasury, Dept of; HOUSE OF REPRESENTATIVES; Commodity Futures Trading Commission (CFTC); Securities & Exchange Commission (SEC)

Bills named: S.Con.Res. 8 (113th)

Bankruptcy BNK

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

Contacted: Small Business Administration (SBA); Executive Office of the President (EOP); Justice, Dept of (DOJ); Office of Government Ethics (OGE); Federal Reserve System; Agriculture, Dept of (USDA); Securities & Exchange Commission (SEC); Homeland Security, Dept of (DHS); Internal Revenue Service (IRS); Natl Credit Union Administration (NCUA); SENATE; Federal Deposit Insurance Corporation (FDIC); HOUSE OF REPRESENTATIVES; Treasury, Dept of; Commodity Futures Trading Commission (CFTC); Federal Trade Commission (FTC)

Bills named: S. 114 (113th)

Gaming/Gambling/Casino GAM

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

Contacted: Treasury, Dept of; Agriculture, Dept of (USDA); Commodity Futures Trading Commission (CFTC); Securities & Exchange Commission (SEC); Internal Revenue Service (IRS); Office of Government Ethics (OGE); Federal Deposit Insurance Corporation (FDIC); Natl Credit Union Administration (NCUA); Executive Office of the President (EOP); Federal Reserve System; Small Business Administration (SBA); HOUSE OF REPRESENTATIVES; Justice, Dept of (DOJ); Homeland Security, Dept of (DHS); Federal Trade Commission (FTC); SENATE

Bills named: H.R. 2282 (113th)

Intelligence INT

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

Contacted: Internal Revenue Service (IRS); Natl Credit Union Administration (NCUA); Commodity Futures Trading Commission (CFTC); Federal Reserve System; Small Business Administration (SBA); Executive Office of the President (EOP); Federal Trade Commission (FTC); Federal Deposit Insurance Corporation (FDIC); Office of Government Ethics (OGE); Justice, Dept of (DOJ); Treasury, Dept of; Homeland Security, Dept of (DHS); Securities & Exchange Commission (SEC); Agriculture, Dept of (USDA); SENATE; HOUSE OF REPRESENTATIVES

Bills named: H.R. 624 (113th)

Homeland Security HOM

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

Contacted: Internal Revenue Service (IRS); SENATE; Homeland Security, Dept of (DHS); Small Business Administration (SBA); Treasury, Dept of; Office of Government Ethics (OGE); Executive Office of the President (EOP); Securities & Exchange Commission (SEC); Federal Reserve System; HOUSE OF REPRESENTATIVES; Justice, Dept of (DOJ); Federal Trade Commission (FTC); Federal Deposit Insurance Corporation (FDIC); Commodity Futures Trading Commission (CFTC); Agriculture, Dept of (USDA); Natl Credit Union Administration (NCUA)

Bills named: H.R. 2281 (113th)

Taxation/Internal Revenue Code TAX

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) 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

Contacted: Executive Office of the President (EOP); Treasury, Dept of; Small Business Administration (SBA); Commodity Futures Trading Commission (CFTC); Federal Reserve System; Justice, Dept of (DOJ); SENATE; Office of Government Ethics (OGE); Securities & Exchange Commission (SEC); Natl Credit Union Administration (NCUA); Agriculture, Dept of (USDA); Federal Deposit Insurance Corporation (FDIC); Federal Trade Commission (FTC); Internal Revenue Service (IRS); Homeland Security, Dept of (DHS); HOUSE OF REPRESENTATIVES

Bills named: H.R. 243 (113th), H.R. 892 (113th), S. 887 (113th), S. 268 (113th)

Economics/Economic Development ECN

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.

Contacted: Agriculture, Dept of (USDA); Executive Office of the President (EOP); Natl Credit Union Administration (NCUA); HOUSE OF REPRESENTATIVES; Small Business Administration (SBA); Federal Trade Commission (FTC); Homeland Security, Dept of (DHS); Treasury, Dept of; Commodity Futures Trading Commission (CFTC); Internal Revenue Service (IRS); Office of Government Ethics (OGE); Securities & Exchange Commission (SEC); Federal Reserve System; Federal Deposit Insurance Corporation (FDIC); Justice, Dept of (DOJ); SENATE

Bills named: H.R. 2437 (113th)

Foreign Relations FOR

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

Contacted: Federal Trade Commission (FTC); Small Business Administration (SBA); Office of Government Ethics (OGE); Federal Reserve System; Treasury, Dept of; Justice, Dept of (DOJ); Federal Deposit Insurance Corporation (FDIC); Executive Office of the President (EOP); HOUSE OF REPRESENTATIVES; Agriculture, Dept of (USDA); Natl Credit Union Administration (NCUA); SENATE; Homeland Security, Dept of (DHS); Securities & Exchange Commission (SEC); Commodity Futures Trading Commission (CFTC); Internal Revenue Service (IRS)

Small Business SMB

Issues related to credit union participation in Small Business Administration programs.

Contacted: Agriculture, Dept of (USDA); Justice, Dept of (DOJ); Federal Trade Commission (FTC); Homeland Security, Dept of (DHS); Internal Revenue Service (IRS); Federal Reserve System; HOUSE OF REPRESENTATIVES; Small Business Administration (SBA); Natl Credit Union Administration (NCUA); Treasury, Dept of; Securities & Exchange Commission (SEC); Executive Office of the President (EOP); Federal Deposit Insurance Corporation (FDIC); SENATE; Commodity Futures Trading Commission (CFTC); Office of Government Ethics (OGE)

Government Issues GOV

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

Contacted: Executive Office of the President (EOP); Justice, Dept of (DOJ); Internal Revenue Service (IRS); SENATE; Agriculture, Dept of (USDA); Small Business Administration (SBA); HOUSE OF REPRESENTATIVES; Natl Credit Union Administration (NCUA); Federal Trade Commission (FTC); Treasury, Dept of; Federal Reserve System; Homeland Security, Dept of (DHS); Securities & Exchange Commission (SEC); Office of Government Ethics (OGE); Commodity Futures Trading Commission (CFTC); Federal Deposit Insurance Corporation (FDIC)

Bills named: H.R. 367 (113th), S. 15 (113th), H.R. 2402 (113th), H.R. 2446 (113th), H.R. 2385 (113th)