NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS) for NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS

Banking BAN

Consumer Financial Protection Bureau international remittance transfers; Consumer Financial Protection Bureau treatment of privileged information; Consumer Financial Protection Bureau consolidating disclosures required under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA);Consumer Financial Protection Bureau defining larger participants in the financial services market; Consumer Financial Protection Bureau credit card fees and technical concern regarding an example that the CFPB included in the Official Interpretations; Consumer Financial Protection Bureau overdraft protection programs; Consumer Financial Protection Bureau arbitration agreements; Consumer Financial Protection Bureau request for comment on regulatory streamlining; Financial Crimes Enforcement Network requiring credit unions and other institutions to adopt a customer due diligence program; National Credit Union Administration independent authority for credit unions to engage in derivatives; National Credit Union Administration future of the Central Liquidity Facility and plans for and implementation of reform of the Central Liquidity Facility; National Credit Union Administration consequences of the financial situation in Europe; Treasury Department regulatory coordination among members of the Financial Stability Oversight Council; Home Ownership and Equity Protection Act;Mortgage origination and mortgage servicing standards; Escrow accounts;National Credit Union Administrations review of regulations;National Credit Union Administrations Regulatory Flexibility (RegFlex) Program; Electronic Funds Transfer Act and its implementing rule (Regulation E 12 CRF 1005.16);National Credit Union Administrations exam process;Adverse action notices required under Regulation B (Equal Credit Opportunity Act) and Regulation V (Fair Credit Reporting Act);Cost benefit analysis required at federal agencies , impact on small entities;Regulatory Accountability Act of 2011, a bill to modernize the Administrative Procedures Act; Qualified Residential Mortgage (QRM) definition; Bill to repeal an Electronic Funds Transfer Act provision requiring dual signage in disclosing ATM fees (H.R. 4367 / S.3204); Cyber Security;Data 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); Supplement capital; Capital Access for Small Businesses and Jobs Act (H.R. 3993); To amend the Federal Deposit Insurance Act with respect to information provided to the Consumer Financial Protection Bureau (H.R. 3871 / H.R. 4014 / S. 2099); Government Sponsored Enterprise reform; Small lender access to the government sponsored enterprises;Guarantee fees charged to lenders by the housing Government Sponsored Enterprises; Strategic defaults on mortgage loans;Principal reduction on mortgage loans; Mortgage bankruptcy cram-down;Federal Home Loan Bank Oversight Issues; Flood Insurance; The National Flood Insurance Program; Flood Insurance Reform Act of 2011 (H.R. 1309); An original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes (S.1940); S.Amdt.2468 to S. 1940 in the nature of a substitute; Map -21 (H.R. 4348 / became law No. 112-141); Student loans; Clarifying existing law with respect to existing law by explicitly allowing lenders to collect premiums for force-placed flood insurance during the 45-day notification period if borrowers let policies lapse; credit union tax exemption; Federal Reserves final rule on the CARD Acts ability to repay requirement; FY 2013 Financial Services Spending bills (H.R.6020 / S.3301);Community Development Financial Institutions fund Appropriations; Community Development Revolving Loan Fund Appropriations; Lending ability of NCUAs Central Liquidity Fund;Regulatory directives stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; Credit union members business lending cap; The Small Business Lending Enhancement Act (H.R. 1418 / S. 509 / S. 2231);The Communities First Act (H.R. 1697);Interchange fees; Debit interchange fees; Debit interchange repeal (H.R. 3156);Consumers Payment System Protection Act (H.R. 1081);Debit Interchange Fee Study Act (S. 575); Financial Institutions Examination Fairness and Reform Act (H.R. 3461/ S. 2160); Small Business Administration loan guarantee and lending programs; Small Business Administration Express program; Small Business Administration Patriot Express program; Restore Main Streets Credit Act (H.R. 4293); Small Business Administration 7(a) program; Small Business Administration 504 program; Credit Union Small Business Lending Act (H.R. 4191); Interest on Lawyers Trust Accounts;Non-Interest Bearing Transaction Accounts; Servicemembers Civil Relief Act; Base Realignment and Closure Commission;Military Lending Act;Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310);To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263);National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740);Military Savings Act of 2012 (H.R. 5946);Protecting Servicemembers from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951);National Defense Authorization Act for Fiscal Year 2012 (S. 1253);Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254);National Defense Authorization Act for Fiscal Year 2012 (S. 1867);Servicemember Housing Protection Act of 2012 (S. 3179);Servicemembers' Protection Act of 2012 (S. 3322);Military Family Home Protection Act (S. 3323).

Contacted: SENATE; Commodity Futures Trading Commission (CFTC); Defense, Dept of (DOD); Internal Revenue Service (IRS); Treasury, Dept of; Small Business Administration (SBA); Financial Crimes Enforcement Network (FinCEN); Federal Deposit Insurance Corporation (FDIC); Securities & Exchange Commission (SEC); Government Accountability Office (GAO); Federal Trade Commission (FTC); Office of the Comptroller of the Currency (OCC); Federal Reserve System; HOUSE OF REPRESENTATIVES; Homeland Security, Dept of (DHS); Housing & Urban Development, Dept of (HUD); Federal Housing Finance Agency (FHFA); White House Office; Natl Credit Union Administration (NCUA)

Bills named: H.R. 1081 (112th), S. 1254 (112th), H.R. 1315 (112th), S. 737 (112th), S. 1151 (112th), H.R. 1249 (112th), S. 1535 (112th), H.R. 3156 (112th), S. 951 (112th), H.R. 4173 (112th), H.R. 4293 (112th), S. 3179 (112th), H.R. 2577 (112th), H.R. 4014 (112th), S. 509 (112th), H.R. 1667 (112th), H.R. 5747 (112th), H.R. 6020 (112th), H.R. 1697 (112th), S. 3301 (112th), S. 3204 (112th), S. 1867 (112th), H.R. 1263 (112th), H.R. 5946 (112th), H.R. 3993 (112th), S. 486 (112th), H.R. 4740 (112th), H.R. 4191 (112th), S. 1207 (112th), H.R. 1121 (112th), S. 1940 (112th), H.R. 87 (112th), H.R. 1309 (112th), H.R. 4367 (112th), S. 3323 (112th), H.R. 1418 (112th), S. 575 (112th), S. 1253 (112th), H.R. 1540 (112th), S. 23 (112th), H.R. 4348 (112th), H.R. 3871 (112th), S. 2160 (112th), S. 2231 (112th), H.R. 4310 (112th), S. 1434 (112th), S. 3322 (112th), H.R. 3461 (112th), S. 2099 (112th), S. 1408 (112th)

Financial Institutions/Investments/Securities FIN

Consumer Financial Protection Bureau international remittance transfers; Consumer Financial Protection Bureau treatment of privileged information; Consumer Financial Protection Bureau consolidating disclosures required under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA);Consumer Financial Protection Bureau defining larger participants in the financial services market; Consumer Financial Protection Bureau credit card fees and technical concern regarding an example that the CFPB included in the Official Interpretations; Consumer Financial Protection Bureau overdraft protection programs; Consumer Financial Protection Bureau arbitration agreements; Consumer Financial Protection Bureau request for comment on regulatory streamlining; Financial Crimes Enforcement Network requiring credit unions and other institutions to adopt a customer due diligence program; National Credit Union Administration independent authority for credit unions to engage in derivatives; National Credit Union Administration future of the Central Liquidity Facility and plans for and implementation of reform of the Central Liquidity Facility; National Credit Union Administration consequences of the financial situation in Europe; Treasury Department regulatory coordination among members of the Financial Stability Oversight Council; Home Ownership and Equity Protection Act;Mortgage origination and mortgage servicing standards; Escrow accounts;National Credit Union Administrations review of regulations;National Credit Union Administrations Regulatory Flexibility (RegFlex) Program; Electronic Funds Transfer Act and its implementing rule (Regulation E 12 CRF 1005.16);National Credit Union Administrations exam process;Adverse action notices required under Regulation B (Equal Credit Opportunity Act) and Regulation V (Fair Credit Reporting Act);Cost benefit analysis required at federal agencies , impact on small entities;Regulatory Accountability Act of 2011, a bill to modernize the Administrative Procedures Act; Qualified Residential Mortgage (QRM) definition; Bill to repeal an Electronic Funds Transfer Act provision requiring dual signage in disclosing ATM fees (H.R. 4367 / S.3204); Cyber Security;Data 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); Supplement capital; Capital Access for Small Businesses and Jobs Act (H.R. 3993); To amend the Federal Deposit Insurance Act with respect to information provided to the Consumer Financial Protection Bureau (H.R. 3871 / H.R. 4014 / S. 2099); Government Sponsored Enterprise reform; Small lender access to the government sponsored enterprises;Guarantee fees charged to lenders by the housing Government Sponsored Enterprises; Strategic defaults on mortgage loans;Principal reduction on mortgage loans; Mortgage bankruptcy cram-down;Federal Home Loan Bank Oversight Issues; Flood Insurance; The National Flood Insurance Program; Flood Insurance Reform Act of 2011 (H.R. 1309); An original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes (S.1940); S.Amdt.2468 to S. 1940 in the nature of a substitute; Map -21 (H.R. 4348 / became law No. 112-141); Student loans; Clarifying existing law with respect to existing law by explicitly allowing lenders to collect premiums for force-placed flood insurance during the 45-day notification period if borrowers let policies lapse; credit union tax exemption; Federal Reserves final rule on the CARD Acts ability to repay requirement; FY 2013 Financial Services Spending bills (H.R.6020 / S.3301);Community Development Financial Institutions fund Appropriations; Community Development Revolving Loan Fund Appropriations; Lending ability of NCUAs Central Liquidity Fund;Regulatory directives stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; Credit union members business lending cap; The Small Business Lending Enhancement Act (H.R. 1418 / S. 509 / S. 2231);The Communities First Act (H.R. 1697);Interchange fees; Debit interchange fees; Debit interchange repeal (H.R. 3156);Consumers Payment System Protection Act (H.R. 1081);Debit Interchange Fee Study Act (S. 575); Financial Institutions Examination Fairness and Reform Act (H.R. 3461/ S. 2160); Small Business Administration loan guarantee and lending programs; Small Business Administration Express program; Small Business Administration Patriot Express program; Restore Main Streets Credit Act (H.R. 4293); Small Business Administration 7(a) program; Small Business Administration 504 program; Credit Union Small Business Lending Act (H.R. 4191); Interest on Lawyers Trust Accounts;Non-Interest Bearing Transaction Accounts; Servicemembers Civil Relief Act; Base Realignment and Closure Commission;Military Lending Act;Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310);To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263);National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740);Military Savings Act of 2012 (H.R. 5946);Protecting Servicemembers from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951);National Defense Authorization Act for Fiscal Year 2012 (S. 1253);Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254);National Defense Authorization Act for Fiscal Year 2012 (S. 1867);Servicemember Housing Protection Act of 2012 (S. 3179);Servicemembers' Protection Act of 2012 (S. 3322);Military Family Home Protection Act (S. 3323).

Contacted: Federal Deposit Insurance Corporation (FDIC); Natl Credit Union Administration (NCUA); Internal Revenue Service (IRS); Small Business Administration (SBA); Treasury, Dept of; Government Accountability Office (GAO); Financial Crimes Enforcement Network (FinCEN); SENATE; Federal Trade Commission (FTC); Office of the Comptroller of the Currency (OCC); Federal Housing Finance Agency (FHFA); HOUSE OF REPRESENTATIVES; Federal Reserve System; Securities & Exchange Commission (SEC); Commodity Futures Trading Commission (CFTC); Housing & Urban Development, Dept of (HUD); White House Office; Homeland Security, Dept of (DHS); Defense, Dept of (DOD)

Bills named: H.R. 2577 (112th), S. 3204 (112th), H.R. 4191 (112th), H.R. 4014 (112th), H.R. 4173 (112th), S. 486 (112th), S. 951 (112th), S. 3322 (112th), H.R. 1697 (112th), H.R. 3461 (112th), S. 3323 (112th), H.R. 1540 (112th), S. 1253 (112th), S. 1940 (112th), H.R. 4367 (112th), S. 1867 (112th), H.R. 1309 (112th), S. 2231 (112th), H.R. 3993 (112th), S. 575 (112th), S. 3301 (112th), H.R. 5946 (112th), H.R. 4293 (112th), H.R. 1263 (112th), H.R. 1315 (112th), H.R. 4310 (112th), S. 1408 (112th), S. 23 (112th), H.R. 1081 (112th), S. 3179 (112th), H.R. 3156 (112th), S. 1535 (112th), S. 1434 (112th), H.R. 87 (112th), H.R. 1249 (112th), H.R. 1418 (112th), S. 1151 (112th), S. 2099 (112th), S. 1207 (112th), S. 509 (112th), S. 1254 (112th), H.R. 5747 (112th), H.R. 4348 (112th), H.R. 1121 (112th), S. 737 (112th), S. 2160 (112th), H.R. 1667 (112th), H.R. 3871 (112th), H.R. 6020 (112th), H.R. 4740 (112th)

Taxation/Internal Revenue Code TAX

credit union tax exemption; statutory federal debt limit; deferred compensation - 457 plans.

Contacted: Securities & Exchange Commission (SEC); Commodity Futures Trading Commission (CFTC); Small Business Administration (SBA); Defense, Dept of (DOD); Internal Revenue Service (IRS); White House Office; Federal Housing Finance Agency (FHFA); Federal Reserve System; HOUSE OF REPRESENTATIVES; Federal Deposit Insurance Corporation (FDIC); Natl Credit Union Administration (NCUA); Office of the Comptroller of the Currency (OCC); Federal Trade Commission (FTC); Financial Crimes Enforcement Network (FinCEN); Treasury, Dept of; Housing & Urban Development, Dept of (HUD); SENATE; Homeland Security, Dept of (DHS); Government Accountability Office (GAO)