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 (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; 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. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).

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

Bills named: S. 1193 (113th), H.R. 3193 (113th), S. 949 (113th), S. 1720 (113th), S. 727 (113th), S. 1741 (113th), H.R. 3211 (113th), S. 1897 (113th), H.R. 1553 (113th), S. 1846 (113th), H.R. 1223 (113th), H.R. 688 (113th), H.R. 3370 (113th), H.R. 2639 (113th), H.R. 821 (113th), H.R. 3309 (113th), S. 1926 (113th), S. 968 (113th), S. 1927 (113th), S. 2049 (113th), S. 1612 (113th), S. 1995 (113th), H.R. 749 (113th), S. 1976 (113th), H.R. 1077 (113th), S. 635 (113th), S. 1217 (113th), H.R. 2767 (113th), H.R. 2572 (113th), S. 1013 (113th), H.R. 719 (113th), S. 866 (113th), H.R. 1842 (113th)

Financial Institutions/Investments/Securities FIN

Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; 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. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).

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

Bills named: H.R. 1553 (113th), H.R. 3370 (113th), H.R. 821 (113th), S. 1927 (113th), S. 1926 (113th), H.R. 1077 (113th), H.R. 1223 (113th), H.R. 2767 (113th), S. 1846 (113th), H.R. 3193 (113th), S. 1193 (113th), H.R. 688 (113th), H.R. 749 (113th), S. 1995 (113th), S. 1976 (113th), H.R. 2639 (113th), S. 1612 (113th), S. 866 (113th), H.R. 3309 (113th), H.R. 1842 (113th), H.R. 3211 (113th), S. 2049 (113th), S. 1897 (113th), S. 1217 (113th), H.R. 719 (113th), S. 1720 (113th), S. 635 (113th), S. 968 (113th), S. 949 (113th), S. 727 (113th), H.R. 2572 (113th), S. 1013 (113th), S. 1741 (113th)

Taxation/Internal Revenue Code TAX

Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief.

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