FIFTH THIRD BANCORP for FIFTH THIRD BANCORP

Banking BAN

HR 4060, Systemic Risk Designation Improvement Act of 2014 (all provisions). HR 3770, CFPB-IG Act of 2013 (all provisions). HR 634, the Business Mitigation and Price Stabilization Act (all provisions).HR 3211, the Mortgage Choice Act (all provisions). HR 4167, Restoring Proven Financing for American Employers Act (all provisions). HR 4719, America Gives More Act (all provisions). HR 992, Swaps Regulatory Improvement Act (all provisions). HR 5403, Reforming CFPB Indirect Auto Financing Guidance Act (all provisions). HR 4788, Relief for America's Main Street Lenders Act (all provisions). HR 5405, Promoting Job Creation and Reducing Small Business Burdens Act (all provisions). HR 4986, End Operation Choke Point Act of 2014 (provisions related to banking). HR 4532, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision (all provisions). HR 5018, Federal Reserve Accountability and Transparency Act of 2014 (all provisions). S. 2732, Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2014 (all provisions). Issues related to Export Import Bank reauthorization (H.J.Res., Continuing Appropriations Resolution, 2015). HR 2767, Protecting American Taxpayers and Homeowners Act of 2013 (PATH Act) (all provisions). HR 5055, Partnership to Strengthen Homeownership Act of 2014 (all provisions). S. 1217, Housing Finance Reform and Taxpayer Protection Act (all provisions) and revised Senate GSE/housing finance reform legislation. Issues related to government sponsored enterprise (GSE) and housing reforms initiatives (no specific bill). Issues related lending, mortgage lending, qualified mortgages, qualified residential mortgages, small business lending, online lending, energy lending programs, student loans, and auto lending (no specific bill). Issues related to bank fees, card fees and rate caps, and credit card interchange and debit card interchange (Senator Durbin amendment, electronic debit card transactions) (no specific bill). Issues related to regulatory implementation, process, systems and structures, general discussions and issues related to product new development, Volcker rule, CCAR, stress test, living wills, liquidity coverage ratio (LCR), CLO, end user margins, point/fees and Basel (no specific bill). H.R. 4173 (111th Congress, P.L. 111-203): Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act); regulatory implementation discussions covering rules and regulations, including discussions with the Consumer Financial Protection Bureau (for which there is no CFPB listing on Line 17 available), on structure, regulatory implementation, oversight, process, enforcement and compliant handling. General discussions covering the Dodd-Frank Act and provisions (Act repeal, amending and technical fixes), Volcker rule, Financial Stability Oversight Council, Office of Financial Research, systemically important financial institutions designations, prudential regulations, mortgage regulations (qualified mortgages, qualified residential mortgages), corporate governance, enhanced prudential standards (165/166), stress testing, capital planning, living will, remittance, 716, push-out, Title VII (swaps/derivatives), Title II, section 1071, overdraft, pre-paid cards, examinations and other banking and financial services related provisions. Issues related to cyber-security, data breach and privacy, protecting consumer information, general discussions, as related to banking and financial services (no specific bill). Issues related to the CFPB narrative database program (no specific bill).

Contacted: Energy, Dept of; Office of the Comptroller of the Currency (OCC); Health & Human Services, Dept of (HHS); Treasury, Dept of; SENATE; Federal Reserve System; Federal Deposit Insurance Corporation (FDIC); HOUSE OF REPRESENTATIVES

Bills named: H.R. 5403 (113th), S. 2732 (113th), H.R. 5018 (113th), H.R. 3211 (113th), H.R. 4167 (113th), H.R. 4060 (113th), H.R. 2767 (113th), H.R. 4788 (113th), H.R. 3770 (113th), H.R. 5055 (113th), H.R. 634 (113th), H.R. 4719 (113th), H.R. 5405 (113th), H.R. 992 (113th), H.R. 4173 (113th), H.R. 4986 (113th), H.R. 4532 (113th), S. 1217 (113th)

Taxation/Internal Revenue Code TAX

Tax Reform Act of 2014 (House Ways and Means Committee chairs draft proposal), general discussions related to the draft bill and the bank tax, new market tax credits, FDIC premiums and other banking related reforms (all provisions).Issues related to tax reform general discussions covering individual and corporate tax reform (rate and base discussions), including the bank tax/financial crisis responsibility fee, new market tax credits, business interest deductions and tax expenditures, low income housing tax credits, financial transactions tax, section 1030/like kind exchanges, tax provisions (extensions and short sales) (no specific bill).

Contacted: Health & Human Services, Dept of (HHS); Office of the Comptroller of the Currency (OCC); HOUSE OF REPRESENTATIVES; Treasury, Dept of; Energy, Dept of; Federal Deposit Insurance Corporation (FDIC); Federal Reserve System; SENATE

Health Issues HCR

S. 1031 / HR 2941, Family and Retirement Health Investment Act of 2013 (all provisions). Issues related to cadillac and excise tax, Medicare and Medicaid HSAs, benefits, public exchanges and Patient Protection and Affordable Care Act (no specific bill.)

Contacted: SENATE; Office of the Comptroller of the Currency (OCC); Treasury, Dept of; Federal Deposit Insurance Corporation (FDIC); Health & Human Services, Dept of (HHS); Federal Reserve System; Energy, Dept of; HOUSE OF REPRESENTATIVES

Bills named: S. 1031 (113th), H.R. 2941 (113th)