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

Labor Issues/Antitrust/Workplace LBR

Issues related to the Department of Labor's proposed rule on overtime

Contacted: Veterans Affairs, Dept of (VA); Executive Office of the President (EOP); SENATE; Federal Reserve System; Agriculture, Dept of (USDA); Internal Revenue Service (IRS); Labor, Dept of (DOL); Treasury, Dept of; Federal Communications Commission (FCC); Justice, Dept of (DOJ); Consumer Financial Protection Bureau (CFPB); Small Business Administration (SBA); HOUSE OF REPRESENTATIVES; Natl Credit Union Administration (NCUA)

Banking BAN

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's regulation on Truth-In-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Fed's implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae Capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumer's access to records Issues related to economic growth Issues related to Interchange Fees Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data Collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to small business cannabis H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, CECL Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy S. 151, TRACED Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act

Contacted: Executive Office of the President (EOP); Veterans Affairs, Dept of (VA); Consumer Financial Protection Bureau (CFPB); Internal Revenue Service (IRS); SENATE; Small Business Administration (SBA); Agriculture, Dept of (USDA); Federal Reserve System; Federal Communications Commission (FCC); Treasury, Dept of; HOUSE OF REPRESENTATIVES; Justice, Dept of (DOJ); Natl Credit Union Administration (NCUA); Labor, Dept of (DOL)

Bills named: S. 1028 (116th), H.R. 1737 (116th), H.R. 3198 (116th), H.Res. 328 (116th), H.R. 3182 (116th), S. 1200 (116th), H.R. 388 (116th), H.R. 442 (116th), H.R. 2513 (116th), H.R. 2290 (116th), H.Res. 327 (116th), H.R. 1500 (116th), H.R. 2500 (116th), H.R. 2162 (116th), S. 1564 (116th), S. 151 (116th), H.R. 1957 (116th), H.R. 2157 (116th), H.R. 3167 (116th), H.R. 2852 (116th), H.R. 2305 (116th), H.R. 2514 (116th), S. 787 (116th), H.R. 3301 (116th), H.R. 1661 (116th), H.R. 3300 (116th), H.R. 1039 (116th), H.R. 2740 (116th), H.R. 3351 (116th), H.Res. 275 (116th), H.R. 1595 (116th), H.R. 2093 (116th), H.R. 3111 (116th)

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) Issues related to section 13602, section 13702, section 13703 of the Tax Cuts and Jobs Act of 2017 Issues related to Treasury and IRS actions on the implementation of the Tax Cuts and Jobs Act of 2017 H.R. 1957, the Taxpayers First Act

Contacted: Consumer Financial Protection Bureau (CFPB); HOUSE OF REPRESENTATIVES; Agriculture, Dept of (USDA); Treasury, Dept of; Internal Revenue Service (IRS); Federal Reserve System; Veterans Affairs, Dept of (VA); Justice, Dept of (DOJ); Natl Credit Union Administration (NCUA); Federal Communications Commission (FCC); SENATE; Small Business Administration (SBA); Labor, Dept of (DOL); Executive Office of the President (EOP)

Bills named: H.R. 1957 (116th)

Copyright/Patent/Trademark CPT

Issues related to patent reform Issues related to patent litigation reform

Contacted: SENATE; Executive Office of the President (EOP); HOUSE OF REPRESENTATIVES; Labor, Dept of (DOL); Internal Revenue Service (IRS); Federal Communications Commission (FCC); Treasury, Dept of; Consumer Financial Protection Bureau (CFPB); Veterans Affairs, Dept of (VA); Natl Credit Union Administration (NCUA); Agriculture, Dept of (USDA); Justice, Dept of (DOJ); Federal Reserve System; Small Business Administration (SBA)

Foreign Relations FOR

Issues related to Foreign Assistance Act of 1961 Issues related to the Overseas Private Investment Corporation's cooperative development projects Issues related to OPIC's Certificates of Participation and other OPIC-guarantee programs Issues related to USAID's Cooperative Development Program

Contacted: Justice, Dept of (DOJ); Executive Office of the President (EOP); Small Business Administration (SBA); Consumer Financial Protection Bureau (CFPB); HOUSE OF REPRESENTATIVES; Federal Reserve System; Veterans Affairs, Dept of (VA); SENATE; Natl Credit Union Administration (NCUA); Internal Revenue Service (IRS); Treasury, Dept of; Federal Communications Commission (FCC); Agriculture, Dept of (USDA); Labor, Dept of (DOL)

Small Business SMB

Issues related to credit union participation in Small Business Administration Programs

Contacted: Agriculture, Dept of (USDA); Treasury, Dept of; Federal Reserve System; Executive Office of the President (EOP); SENATE; Labor, Dept of (DOL); Internal Revenue Service (IRS); HOUSE OF REPRESENTATIVES; Consumer Financial Protection Bureau (CFPB); Federal Communications Commission (FCC); Veterans Affairs, Dept of (VA); Natl Credit Union Administration (NCUA); Small Business Administration (SBA); Justice, Dept of (DOJ)

Civil Rights/Civil Liberties CIV

Issues related to the Americans with Disabilities Act Issues related to ADA Website Accessibility

Contacted: Small Business Administration (SBA); Agriculture, Dept of (USDA); SENATE; Consumer Financial Protection Bureau (CFPB); Justice, Dept of (DOJ); Federal Communications Commission (FCC); Executive Office of the President (EOP); Treasury, Dept of; Federal Reserve System; Veterans Affairs, Dept of (VA); Internal Revenue Service (IRS); Natl Credit Union Administration (NCUA); HOUSE OF REPRESENTATIVES; Labor, Dept of (DOL)

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 appropriations for State and Foreign Operations, specifically funding for USAID and the Cooperative Development Program Issues related to Appropriations for State and Foreign Operations Subcommittee regarding funding Issues related to Federal Government shutdown assistance Financial Services and General Government Appropriations for Fiscal Year 2020, provisions related to the Community Development Financial Institution Fund, the Community Development Revolving Fund, the funding mechanism for the National Credit Union Administration, and the structure of the Consumer Financial Protection Bureau H.R. 3351, Financial Services and General Government Appropriations Act of 2020

Contacted: HOUSE OF REPRESENTATIVES; Treasury, Dept of; SENATE; Federal Reserve System; Executive Office of the President (EOP); Justice, Dept of (DOJ); Internal Revenue Service (IRS); Consumer Financial Protection Bureau (CFPB); Natl Credit Union Administration (NCUA); Agriculture, Dept of (USDA); Veterans Affairs, Dept of (VA); Small Business Administration (SBA); Federal Communications Commission (FCC); Labor, Dept of (DOL)

Bills named: H.R. 3351 (116th)

Government Issues GOV

Issues related to Puerto Rico's debit crisis

Contacted: Small Business Administration (SBA); Agriculture, Dept of (USDA); Executive Office of the President (EOP); Consumer Financial Protection Bureau (CFPB); Federal Reserve System; Labor, Dept of (DOL); Treasury, Dept of; Justice, Dept of (DOJ); SENATE; Natl Credit Union Administration (NCUA); Federal Communications Commission (FCC); Internal Revenue Service (IRS); HOUSE OF REPRESENTATIVES; Veterans Affairs, Dept of (VA)

Communications/Broadcasting/Radio/TV COM

Issues related to the Telephone Consumer Protection Act Issues related to the Federal Communications Commission's July 2015 order regarding Telephone Consumer Protection Act Issues related to the oversight of the Federal Communications Commission H.R. 3375, Stopping Bad Robocalls Act S.151, TRACED Act

Contacted: Agriculture, Dept of (USDA); Internal Revenue Service (IRS); Federal Reserve System; Treasury, Dept of; SENATE; HOUSE OF REPRESENTATIVES; Executive Office of the President (EOP); Federal Communications Commission (FCC); Natl Credit Union Administration (NCUA); Justice, Dept of (DOJ); Labor, Dept of (DOL); Small Business Administration (SBA); Consumer Financial Protection Bureau (CFPB); Veterans Affairs, Dept of (VA)

Bills named: S. 151 (116th), H.R. 3375 (116th)