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

Copyright/Patent/Trademark CPT

Issues related to patent reform Issues related to patent litigation reform

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

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 NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions 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 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs 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 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 Supervisory 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 rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs 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 CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal 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 United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration 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 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 Feds 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 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 consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards 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 the transfer of leadership at the Consumer Financial Protection Bureau H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau.

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

Bills named: H.R. 2359 (115th), H.R. 3866 (115th), H.R. 4464 (115th), H.R. 2054 (115th), H.R. 3911 (115th), S. 836 (115th), H.R. 1958 (115th), H.R. 2204 (115th), H.R. 2706 (115th), S.J.Res. 19 (115th), H.R. 3978 (115th), H.R. 1153 (115th), S. 21 (115th), S. 223 (115th), S. 1579 (115th), S. 869 (115th), H.R. 3758 (115th), S. 1002 (115th), H.R. 1264 (115th), H.R. 26 (115th), S. 1310 (115th), H.R. 4545 (115th), H.R. 3221 (115th), H.R. 10 (115th), H.R. 2226 (115th), H.R. 2133 (115th), S. 2155 (115th), H.R. 924 (115th), H.R. 3072 (115th), H.J.Res. 111 (115th), S. 366 (115th), H.R. 3746 (115th), H.R. 389 (115th), H.R. 1585 (115th), H.R. 2954 (115th), H.R. 3857 (115th), H.R. 1116 (115th), H.R. 1244 (115th), S. 838 (115th), H.R. 1457 (115th), S.J.Res. 47 (115th), H.R. 3971 (115th), H.R. 4648 (115th), H.R. 3089 (115th), S. 2237 (115th), H.R. 2396 (115th)

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

Small Business SMB

Issues related to credit union participation in Small Business Administration programs

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

Government Issues GOV

Issues related to Puerto Ricos debt crisis

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

Communications/Broadcasting/Radio/TV COM

Issues related to the Telephone Consumer Protection Act Issues related to the Federal Communications Commissions July 2015 order regarding Telephone Consumer Protection Act Issues related to the oversight of the Federal Communications Commission

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

Civil Rights/Civil Liberties CIV

Issues related to the Americans with Disabilities Act Issues related to ADA Website Accessibility H.R. 620, the American with Disabilities Act Education and Reform Act of 2017, all provisions

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

Bills named: H.R. 620 (115th)

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) H.R. 1, the Tax Cuts and Jobs Act, provisions related to unrelated business income tax, mortgage interest, and property tax deductions, deferred compensation agreements, executive compensation, retirement account, the New Markets Tax Credit, small business load deductibility, personal tax rates and deductions, and the tax treatment of credit unions and nonprofit organizations

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

Bills named: H.R. 1 (115th)

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 Issues related to appropriations for State and Foreign Operations, specifically funding for USAID and the Cooperative Development Program Financial Services and General Government Appropriations for Fiscal Year 2017, provisions related to the Community Development Financial Institution Fund, the Community Development Revolving Loan Fund, and the structure of the Consumer Financial Protection Bureau. Financial Services and General Government Appropriations for Fiscal Year 2018, provisions related to the Community Development Financial Institution Fund, the Community Development Revolving Loan Fund, the funding mechanism for the National Credit Union Administration, and the structure of the Consumer Financial Protection Bureau. H.R. 244, the Consolidated Appropriations Act of 2017, Division E, Title I H.R. 3354, the Department of Interior, Environment, and Related Agencies Appropriations Act for Fiscal Year 2018, provisions related to the Community Development Financial Institution Fund, the Community Development Revolving Loan Fund, the funding mechanism for the National Credit Union Administration, and the structure of the Consumer Financial Protection Bureau

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

Bills named: H.R. 244 (115th), H.R. 3354 (115th)

Labor Issues/Antitrust/Workplace LBR

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

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