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

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 low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process 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 CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator 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 the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity H.R. 9, the Innovation Act, all provisions H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2896, the TAILOR Act S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database

Contacted: Federal Reserve System; Internal Revenue Service (IRS); Treasury, Dept of; Agriculture, Dept of (USDA); Executive Office of the President (EOP); Natl Credit Union Administration (NCUA); SENATE; HOUSE OF REPRESENTATIVES; Small Business Administration (SBA)

Bills named: S. 871 (114th), H.R. 989 (114th), H.R. 1210 (114th), S. 423 (114th), H.R. 1480 (114th), H.R. 2896 (114th), S. 1484 (114th), H.R. 1422 (114th), H.R. 1233 (114th), H.R. 1523 (114th), H.R. 766 (114th), S. 961 (114th), H.R. 1188 (114th), S. 482 (114th), H.R. 9 (114th), H.R. 1529 (114th), H.R. 527 (114th), H.R. 1408 (114th), H.R. 1263 (114th), H.R. 1941 (114th), H.R. 601 (114th), S. 924 (114th), H.R. 2205 (114th), H.R. 1266 (114th), H.R. 1259 (114th), S. 1440 (114th), H.R. 2213 (114th), H.R. 1735 (114th), H.R. 685 (114th), H.R. 299 (114th), S. 1367 (114th), H.R. 2473 (114th), H.R. 1176 (114th), H.R. 1195 (114th), H.R. 2287 (114th), S. 774 (114th), H.R. 1265 (114th), H.R. 185 (114th)

Small Business SMB

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

Contacted: Small Business Administration (SBA); Internal Revenue Service (IRS); Agriculture, Dept of (USDA); Treasury, Dept of; HOUSE OF REPRESENTATIVES; Executive Office of the President (EOP); Natl Credit Union Administration (NCUA); SENATE; Federal Reserve System

Taxation/Internal Revenue Code TAX

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)

Contacted: Treasury, Dept of; Executive Office of the President (EOP); Internal Revenue Service (IRS); SENATE; Agriculture, Dept of (USDA); HOUSE OF REPRESENTATIVES; Small Business Administration (SBA); Natl Credit Union Administration (NCUA); Federal Reserve System

Copyright/Patent/Trademark CPT

Issues related to patent litigation reform H.R. 9, the Innovation Act S. 1137, the PATENT Act

Contacted: Executive Office of the President (EOP); SENATE; Treasury, Dept of; Natl Credit Union Administration (NCUA); HOUSE OF REPRESENTATIVES; Small Business Administration (SBA); Internal Revenue Service (IRS); Federal Reserve System; Agriculture, Dept of (USDA)

Bills named: H.R. 9 (114th), S. 1137 (114th)

Foreign Relations FOR

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: Treasury, Dept of; Small Business Administration (SBA); Executive Office of the President (EOP); Internal Revenue Service (IRS); SENATE; HOUSE OF REPRESENTATIVES; Agriculture, Dept of (USDA); Natl Credit Union Administration (NCUA); Federal Reserve System

Budget/Appropriations BUD

Issues related to the Community Development Revolving Loan Fund (CDRLF) Issues related to the Community Development Financial Institution Fund (CDFIF) Issues related to the use of G-Fees to offset the costs associated with unrelated policies that increase the deficit H.R. 2995, Financial Services and General Government Appropriations Bill for fiscal year 2016, issues related to NCUA and the Department of Treasury S. ___, Financial Services and General Governmental Appropriations Bill for fiscal year 2016, issues related to NCUA and the Department of Treasury

Contacted: Executive Office of the President (EOP); HOUSE OF REPRESENTATIVES; Treasury, Dept of; Agriculture, Dept of (USDA); Federal Reserve System; Small Business Administration (SBA); SENATE; Natl Credit Union Administration (NCUA); Internal Revenue Service (IRS)

Bills named: H.R. 2995 (114th)