CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP for CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP

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Lobbying issues were: CFPA (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 830 (to continue FHA short refinance program) H.R. 836 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1122 (to keep current regulatory structure of CFPB) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1477 (to require minimum mortgage servicing standards) Bills under discussion/not yet introduced: House legislation to put off CFPB transfer date until confirmed director in place (to keep the current CFPB transfer date in place) House legislation to decrease CFPB supervision authority (to keep the current CFPB supervision authority in place) Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) House companion bill to S.824 (to require minimum mortgage servicing standards) House discussion draft -- "Equity in Government Compensation Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Credit Risk Equitable Treatment Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Portfolio Risk Reduction Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Subsidy Elimination Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Debt Issuance Approval Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Mission Improvement Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Risk and Activities Limitation Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) Executive branch agencies and issues: Dept. of Treasury -- Consumer Financial Protection Bureau, HAMP, GSE reform Office of the Comptroller of the Currency -- overdraft fees, bank payday loans, risk retention rules, servicing standards Federal Trade Commission -- auto financing Federal Reserve System -- overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation HUD -- GSE reform FDIC -- overdraft fees, risk retention rules, servicing standards White House Office -- foreclosure prevention

Contacted: Federal Deposit Insurance Corporation (FDIC); Housing & Urban Development, Dept of (HUD); SENATE; Federal Reserve System; Federal Trade Commission (FTC); Office of the Comptroller of the Currency (OCC); White House Office; HOUSE OF REPRESENTATIVES; Treasury, Dept of

Bills named: H.R. 1315 (112th), H.R. 836 (112th), S. 737 (112th), H.R. 31 (112th), S. 489 (112th), S. 527 (112th), H.R. 861 (112th), H.R. 830 (112th), S. 222 (112th), H.R. 1122 (112th), H.R. 1477 (112th), S. 690 (112th), S. 824 (112th)