FIFTH THIRD BANCORP for FIFTH THIRD BANCORP

Banking BAN

HR 1221 / S. 737, Basel III Impact Study Act (all provisions). HR 2295 / S. 731, Basel III Commonsense Approach for Small Entities Act (all provisions). HR 1077, Consumer Mortgage Choice Act (all provisions). S. 731, Basel III Commonsense Approach for Small Entities Act (all provisions).HR 1693, to provide an exemption for community banks from the application of Basel III capital standards (all provisions). HR 2547, Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013 (all provisions). Basel III, issues related to a quantitative impact study (QIS), capital standards, regulatory activity, rule making and implementation, risk weighting, capital and standardized approach, lending (home equity, mortgages and commercial lending), and risk management (no specific bill). HR 1750, Community Lending Enhancement and Regulatory Relief Act of 2013 (all provisions). HR 1135, Burdensome Data Collection Relief Act (all provisions). S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013 (all provisions). Issues related to the Systemic Risk Designation Improvement Act of 2013, draft House measure (all provisions). Issues related to Too Big To Fail (TBTF), systemically important financial institution (SIFI), and regulatory relief (no specific bill). Issues related to deposit advance products and use, mobile payments and non-banking entities providing banking products (no specific bill). Issues related to housing and lending, mortgage lending, qualified mortgages, qualified residential mortgages, small business lending, student loans and auto lending (no specific bill). S. 1241, Bipartisan Student Loan Certainty Act (all provisions). S. 1266, Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 (all provisions). Issues related to government sponsored enterprise and housing reforms (no specific bill). S. 1217, Housing Finance Reform and Taxpayer Protection Act (all provisions). Issues related to bank, card fees and rate caps (no specific bill). Issues related to credit card interchange and debit card interchange (Senator Durbin amendment, electronic debit card transactions) (no specific bill). Issues related to the administration's budget, Troubled Asset Relief Program (TARP), and financial crisis responsibility fee/bank tax (no specific bill). HR 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. HR 624, Cyber Intelligence Sharing and Protection Act (all provisions). Issues related to the National Cybersecurity and Critical Infrastructure Protection Act of 2013, draft House legislation (all provisions). Issues related to cybersecurity and privacy, and general discussions covering legislative proposals and executive order implementation (no specific bill). Issues related to general banking matters and discussions - legislative and regulatory (general discussion related to the confirmation process for departments and agencies with banking oversight) (no specific bill). HR 742, Swaps Data Repository and Clearinghouse Indemnification Correction Act of 2013 (all provisions). HR 1256, Swap Jurisdiction Certainty Act (all provisions). HR 992, Swaps Regulatory Improvement Act (all provisions). HR 634, Business Risk Mitigation and Price Stabilization Act of 2013 (all provisions). HR 677, Inter-Affiliate Swap Clarification Act (all provisions). HR 701, to amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action (all provisions). HR 1341, Financial Competitive Act of 2013 (all provisions). HR 1062, SEC Regulatory Accountability Act (all provisions). HR 801, Holding Company Registration Threshold Equalization Act of 2013 (all provisions). Issues related to Export Import Bank (no specific bill).

Contacted: Government Accountability Office (GAO); Commodity Futures Trading Commission (CFTC); HOUSE OF REPRESENTATIVES; Treasury, Dept of; SENATE; Federal Reserve System

Bills named: H.R. 1135 (113th), H.R. 2547 (113th), S. 1217 (113th), S. 1241 (113th), H.R. 634 (113th), H.R. 1341 (113th), H.R. 1221 (113th), H.R. 2295 (113th), H.R. 624 (113th), H.R. 801 (113th), S. 1266 (113th), H.R. 701 (113th), H.R. 4173 (113th), H.R. 1077 (113th), H.R. 1750 (113th), H.R. 992 (113th), H.R. 1693 (113th), S. 737 (113th), H.R. 1256 (113th), H.R. 1062 (113th), S. 798 (113th), H.R. 742 (113th), H.R. 677 (113th), S. 731 (113th)

Taxation/Internal Revenue Code TAX

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, business interest deductions and tax expenditures, new markets tax credits, low income housing tax credits, and financial transactions tax (securities tax and VAT) (no specific bill).Issues and general discussions on legislative discussion drafts (including the Financial Products Tax Reform discussion draft), plans and initiatives related to tax reform (no specific bill). Issues related to like kind exchanges (section 1031 of IRS code) (no specific bill).

Contacted: Government Accountability Office (GAO); SENATE; HOUSE OF REPRESENTATIVES; Commodity Futures Trading Commission (CFTC); Treasury, Dept of; Federal Reserve System

Postal POS

Issues related to postal reform (delivery schedule, rate increases) (no specific bill).

Contacted: Federal Reserve System; Commodity Futures Trading Commission (CFTC); Government Accountability Office (GAO); SENATE; Treasury, Dept of; HOUSE OF REPRESENTATIVES

Budget/Appropriations BUD

Issues related to fiscal cliff, national budget, deficit and sequestration (no specific bill).

Contacted: Treasury, Dept of; SENATE; Commodity Futures Trading Commission (CFTC); Federal Reserve System; HOUSE OF REPRESENTATIVES; Government Accountability Office (GAO)