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 H.R. 1456, Consumer Overdraft Protection Practices Act, all provisions H.R. 1479, Community Reinvestment Modernization Act, all provisions H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions Issues related to Interchange Fees Issues related to corporate credit unions Issues related to premium assessments by the National Credit Union Share Insurance Fund H.R. 2382, the Credit Card Interchange Fees Act, all provisions Issues related to Fannie Mae and Freddie Mac Issues related to proposed rules on home-equity lines of credit Issues related to the implementation of section 106 of the Credit Card Accountability, Responsibility and Disclosure Act (CARD Act) H.R. 2695, the Credit Card Fair Fee Act, all provisions S. 1212, the Credit Card Fair Fee Act, all provisions H.R. 3126, the Consumer Financial Protection Agency Act, all provisions H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act, section 4, related to enhanced compensation structure reporting to reduce perverse incentives." H.R. 3380, the Promoting Lending to America's Small Business Act, all provisions S. 1799, Fairness and Accountability in Reviewing Overdraft Coverage Act, all provisions H.R. 3904, Overdraft Protection Act of 2009, all provisions S. 2919, Small Business Lending Enhancement Act of 2009, all provisions H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act and its Senate Companion, S. 3217, the Reforming American Financial Stability Act, and Senate and Conference amendments thereto related to the following provisions: [Section numbers refer to the Conference Report on H.R. 4173, as filed in the House of Representatives on June 29, 2010] Title I, Subtitle A, Section 111. Financial Stability Oversight Council established, provision designating the Chairman of the National Credit Union Administration as a member of the Council. Title I, Subtitle B, Section 165. Enhanced supervision and prudential standards for nonbank financial companies supervised by the Board of Governors and certain bank holding companies, provision exempting the Federal Home Loan Banks. Title III, Subtitle C, Section 335. Permanent increase in deposit and share insurance, provision making permanent the $250,000 limit on insurance coverage of share insured by the National Credit Union Share Insurance Fund. Title III, Subtitle D, Section 343. Insurance of transaction accounts, provision providing parallel insurance coverage for credit union business share accounts with bank business transaction accounts. Title IX, Subtitle D, Section 941. Regulation of credit risk retention, all provisions. Title IX, Subtitle E, Section 956. Enhanced compensation structure reporting, all provisions. Title X, Subtitle B, Section 1021. Purpose, objectives and functions, provisions related to the identification of outdated, unnecessary, and unduly burdensome regulations in order to reduce regulatory burden. Title X, Subtitle B, Section 1022. Rulemaking Authority, provisions related to the standards of rulemaking and consideration given to the impact of Bureau rules on institutions identified in Section 1026 and to the impact of the Bureau rules on rural areas. Title X, Subtitle B, Section 1025. Supervision of very large banks, savings associations, and credit unions, all provisions. Title X, Subtitle B, Section 1026. Other banks, savings associations, and credit unions, all provision. Title X, Subtitle B, Section 1029. Exclusion for auto dealers, all provisions. Title X, Subtitle G, Section 1073. Remittance transfers, all provisions. Title X, Subtitle G, Section 1075. Reasonable fees and rules for payment card transactions, all provisions. Title XII. Improving Access to Mainstream Financial Institutions, all provisions. As well as the following provisions which were not included in the conference report: Title X, Subtitle G, Section 1071. Collection of Deposit Account Data. (as numbered in S. 3217, as introduced). Title XVI. Financial Crisis Assessment and Fund. All Provision. (as number in H.R. 4317, as approved by the Conference Committee on June 25, 2010). Senate Amendment 3812 to S. 3217, related to limits on ATM fees. H.R. 4376, the Freedom from Discrimination in Credit Act, all provisions Issues related to the Troubled Asset Relief Program Issues related to the fiduciary duties at credit unions H.R. 4851, the Continuing Extension Act, Section 7, related to the National Flood Insurance Program H.R. 4936, the Faster Access and Shorter Transaction Time for Checks Act, all provisions H.R. 5569, a bill to extend the National Flood Insurance Program until September 30, 2010, all provisions H.R. 5297, the Small Business Lending Fund Act, all provisions Senate Amendment 4443, Senate Amendment 4534, Senate Amendment 4609 to H.R. 5297, increasing the credit union member business lending cap, all provisions H.R. 5302, the State Small Business Credit Initiative Act, all provisions H.R. 5114, the Flood Insurance Reform Priorities Act of 2010, all provisions H.R. 2221, the Data Accountability and Trust Act of 2010, all provisions S. 3677, Financial Services and General Government Appropriation Act for FY 2011, provisions related to the interchange rule charged to federal agencies. Collins Amendment to S. 3677, related to Interchange H.R. 5816, the Commercial Real Estate Stabilization Act, all provisions H.R. 4790, the Shareholder Protection Act, all provisions Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to NCUA's Corporate Stabilization Plan

Contacted: Justice, Dept of (DOJ); Federal Reserve System; Executive Office of the President (EOP); Small Business Administration (SBA); Treasury, Dept of; Federal Deposit Insurance Corporation (FDIC); Internal Revenue Service (IRS); Office of the Vice President of the United States; SENATE; Natl Credit Union Administration (NCUA); HOUSE OF REPRESENTATIVES

Bills named: S. 3217 (112th), S. 2919 (112th), H.R. 5114 (112th), H.R. 2382 (112th), H.R. 5302 (112th), H.R. 3380 (112th), H.R. 1456 (112th), H.R. 1728 (112th), H.R. 2695 (112th), S. 1799 (112th), H.R. 3269 (112th), H.R. 4936 (112th), H.R. 5816 (112th), H.R. 3904 (112th), H.R. 5297 (112th), H.R. 4317 (112th), S. 3677 (112th), H.R. 4376 (112th), H.R. 3126 (112th), H.R. 5569 (112th), H.R. 1479 (112th), H.R. 2221 (112th), H.R. 4851 (112th), S. 1212 (112th), H.R. 4790 (112th), H.R. 4173 (112th)

Foreign Relations FOR

Please see addendum. Issues related to the Foreign Assistance Act of 1961. Issues related to the development of credit cooperatives in Afghanistan Issues related to the development of credit cooperatives in Haiti Issues related to the disaster relief in Haiti.

Contacted: Small Business Administration (SBA); Executive Office of the President (EOP); Office of the Vice President of the United States; Federal Reserve System; SENATE; Justice, Dept of (DOJ); Federal Deposit Insurance Corporation (FDIC); Internal Revenue Service (IRS); Treasury, Dept of; HOUSE OF REPRESENTATIVES; Natl Credit Union Administration (NCUA)

Small Business SMB

Issues related to the implementation of provisions of H.R. 1, the American Recovery and Reinvestment Act of 2009, related to the Small Business Administration.

Contacted: Treasury, Dept of; Natl Credit Union Administration (NCUA); Justice, Dept of (DOJ); HOUSE OF REPRESENTATIVES; Internal Revenue Service (IRS); SENATE; Office of the Vice President of the United States; Federal Deposit Insurance Corporation (FDIC); Small Business Administration (SBA); Executive Office of the President (EOP); Federal Reserve System

Bills named: H.R. 1 (112th)

Budget/Appropriations BUD

Please see addendum. Issues related to the Central Liquidity Facility Issues related to the Community Development Revolving Loan Fund. Issues related to the Community Development Financial Institution Fund Program. S. 3677, Financial Services and General Government Aoppropriations Act for FY 2010, issues related to the National Credit Union Administration.

Contacted: Office of the Vice President of the United States; SENATE; Executive Office of the President (EOP); HOUSE OF REPRESENTATIVES; Treasury, Dept of; Justice, Dept of (DOJ); Federal Reserve System; Small Business Administration (SBA); Internal Revenue Service (IRS); Federal Deposit Insurance Corporation (FDIC); Natl Credit Union Administration (NCUA)

Bills named: S. 3677 (112th)

Bankruptcy BNK

Issues related to the Bankruptcy Reform Act of 2005 H.R. 5043, Private Student Loan Bankruptcy Act of 2010, all provisions

Contacted: Federal Deposit Insurance Corporation (FDIC); Justice, Dept of (DOJ); Natl Credit Union Administration (NCUA); Office of the Vice President of the United States; Treasury, Dept of; SENATE; Executive Office of the President (EOP); HOUSE OF REPRESENTATIVES; Federal Reserve System; Internal Revenue Service (IRS); Small Business Administration (SBA)

Bills named: H.R. 5043 (112th)

Taxation/Internal Revenue Code TAX

Please see addendum. Issues related to the Credit Union Tax Status H.R. 4213, the American Jobs and Closing Tax Loopholes Act of 2010, provisions related to: -Sec. 603 -- extends the 2009 Stimulus Act SBA provisions -- namely the fee eliminations and increased guarantees for SBA 7(a) and 504 loans. -Sec. 601 -- National Flood Insurance Program -Sec. 226 -- Tax-free IRA Distributions for Charitable Donations -Sec. 243 -- New Markets Tax Credit -Title III, Subtitle A, all sections -- Single Employer Pension Plan Relief Presidents Economic Recovery Oversight Board Report H.R. 4646, the Debt Free America Act, all provisions

Contacted: Internal Revenue Service (IRS); Justice, Dept of (DOJ); Executive Office of the President (EOP); Treasury, Dept of; Federal Deposit Insurance Corporation (FDIC); HOUSE OF REPRESENTATIVES; Federal Reserve System; Office of the Vice President of the United States; SENATE; Small Business Administration (SBA); Natl Credit Union Administration (NCUA)

Bills named: H.R. 4213 (112th), H.R. 4646 (112th)

Health Issues HCR

H.R. 3950, Patient Protection and Affordable Care Act, provisions related to small employers tax credits, HSAs and FSAs

Contacted: Small Business Administration (SBA); SENATE; Office of the Vice President of the United States; Natl Credit Union Administration (NCUA); Federal Reserve System; Executive Office of the President (EOP); Internal Revenue Service (IRS); Federal Deposit Insurance Corporation (FDIC); Justice, Dept of (DOJ); Treasury, Dept of; HOUSE OF REPRESENTATIVES

Bills named: H.R. 3950 (112th)

Government Issues GOV

Please see addendum. Issues related to Credit Union field of membership Issues related to Credit Union Service Organizations (CUSO) Issues related to credit union operations Issues related to National Credit Union Administration examination procedures Issues related to Financial Accounting Standards Board Issues related to foreign remittance payments Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to the Department of Treasury's Blueprint for a Modernized Financial Regulatory Structure Issues related to Mark-to-Market accounting H.R. 2266, Reasonable Prudence in Regulation Act, all provisions H.R. 2267, Internet Gambling Regulation, Consumer Protection, and Enforcement Act, all provisions Issues related to NCUA's Statute of Limitations Proposal Issues related to credit union indemnification, golden parachutes and other benefits

Contacted: Federal Reserve System; Treasury, Dept of; Internal Revenue Service (IRS); Natl Credit Union Administration (NCUA); Executive Office of the President (EOP); Federal Deposit Insurance Corporation (FDIC); Small Business Administration (SBA); Office of the Vice President of the United States; Justice, Dept of (DOJ); HOUSE OF REPRESENTATIVES; SENATE

Bills named: H.R. 2267 (112th), H.R. 2266 (112th)