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14) STRESS TESTING – A bank with high capital not subject to stress testing.
15) HIGH-COST/BALLOON MORTGAGE – Changes to facilitate renewed lending.
16) ABUSIVE (UDAAP) – Delete “abusive” standard.
17) BASEL III – Exempt community banks.
18) APPRAISALS – Lighten requirements to become appraisers, to increase supply.
19) APPROPRIATIONS – Omit Fed/FDIC additional fees.
20) FLOOD INSURANCE – Extend or reform – ABA handout
21) BSA/AML – Streamline reporting, use bank's risk-based compliance judgments.
22) MARIJUANA – Banking exemption/safe harbor for deposits/loans in states where legal.
23) POINTS AND FEES – QM/ATR restrictions.
24) MORTGAGE ESCROW REQUIREMENTS – A safe harbor for smaller financial institutions.
25) CHOKE POINT – Prohibit agencies from causing a bank to terminate customer accounts without a material
reason.
26) HMDA REPORTING – Smaller depository institutions exempt from reporting and record-keeping.
27) ARBITRATION – CFPB and SEC not able to prohibit under CRA.
28) END TBTF – Repeal DFA’s alternative orderly liquidation, replaced by Bankruptcy for failing financial
institutions.
29) VOLCKER RULE – repeal.
30) ELECTIVE HIGH CAPITAL – Bank election for high levels of capital and be exempt from Basel III and other
regulatory requirements – little gain, danger in future
31) AGENCY APPROPRIATIONS – FDIC, FHFA, NCUA, OCC and the “non-monetary” Fed subject to
Congressional appropriations.
32) TRADITIONAL BANKS – Relieve banks that only take deposits and make loans from 10% Tier 1 capital
requirement.
33) EXPERIAN – Push allocated liability.
34) EXECUTIVE COMPENSATION – Reform.
35) GSE REFORM – Fannie Mae/Freddie Mac reform – ABA handout
36) S&Ls – Federal savings institutions get powers of national bank powers.
37) MUTUALS – Mutual holding company dividends similar to stock companies.
38) CHOICE ACT – Most reg relief concepts above.
39) CLEARR ACT – Many reg relief concepts (see below).
REGULATORY ISSUES
40) CAPITAL SIMPLIFICATION – HVCRE – ABA handout
41) SMALL BUSINESS LENDING DATA – ABA handout
42) DISPARATE IMPACT/FAIR LENDING – Amend ECOA & FHA to require intent, fewer DoJ referrals – ABA
handout
43) CRE LENDING – Concentrations, HVCRE, Fair Lending – ABA handout
44) CRE LENDING – Appraisals – ABA handout
45) TILA-RESPA Integrated Disclosure (TRID) – ABA handout
46) CECL – FASB Current Expected Credit Loss Standard – ABA handout
47) PACE LOANS – Property assessed clean energy liens – ABA handout
48) THIRD PARTY VENDOR MANAGEMENT – ABA handout

OTHER ISSUES – NOT ON ABOVE LIST:
1) Americans with Disabilities Act 9) Mortgage servicing
2) CCAR – stress testing & living wills 10) Municipal adviser
3) Crop insurance 11) Overdraft protection
4) Cyber/data security 12) Patent reform
5) Data breach 13) Prepaid cards
6) Ex-Im bank 14) SBA 504
7) Federal reserve dividend 15) Small dollar lending
8) Fiduciary rule 16) Student loans

Western States Trip | Fall 2017 | Participants’ Guide Page 9.