<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/mafiler" xmlns:com="http://www.sec.gov/edgar/common_ma" xmlns:com1="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>MA-A</submissionType>
    <filerInfo>
      <com:filer>
        <com1:filerId>0001617455</com1:filerId>
        <com1:filerCcc>XXXXXXXX</com1:filerCcc>
      </com:filer>
      <com:contact>
        <com1:name>BARBARA LLOYD</com1:name>
        <com1:phoneNumber>916-825-6863</com1:phoneNumber>
      </com:contact>
      <com:contactEmail>barbara.a.lloyd@gmail.com</com:contactEmail>
    </filerInfo>
  </headerData>
  <formData>
    <calYearEnd>2014</calYearEnd>
    <hasChanges>N</hasChanges>
    <firmName>Lloyd Barbara A</firmName>
    <soleProprietor>
      <name>
        <com:firstName>BARBARA</com:firstName>
        <com:middleName>ANNE</com:middleName>
        <com:lastName>LLOYD</com:lastName>
      </name>
    </soleProprietor>
    <dbaName>Barbara A. Lloyd, Municipal Advisory Services</dbaName>
    <registrations>
      <maTregistration>
        <com:fileNumber>866-01388-00</com:fileNumber>
      </maTregistration>
    </registrations>
    <principalOfficeAddress>
      <phoneNumber>916-825-6863</phoneNumber>
      <faxNumber>310-441-1548</faxNumber>
    </principalOfficeAddress>
    <mailingAddressDifferent>N</mailingAddressDifferent>
    <cco>
      <name>
        <com:firstName>Barbara</com:firstName>
        <com:middleName>Anne</com:middleName>
        <com:lastName>Lloyd</com:lastName>
      </name>
      <phoneNumber>916-825-6863</phoneNumber>
      <faxNumber>310-441-1548</faxNumber>
      <email>barbara.a.lloyd@gmail.com</email>
    </cco>
    <formOfOrganization>
      <formOrgType>
        <formOrgTypes>
          <Sole_Proprietorship/>
        </formOrgTypes>
      </formOrgType>
    </formOfOrganization>
    <monthOfFiscalYearEnd>December</monthOfFiscalYearEnd>
    <dateOfOrganization>10-07-2013</dateOfOrganization>
    <isPrcApplicant>N</isPrcApplicant>
    <numberOfEmployees>1</numberOfEmployees>
    <employeesEngagedInMAA>1</employeesEngagedInMAA>
    <maaEmployeesRegBD>0</maaEmployeesRegBD>
    <maaRegIA>0</maaRegIA>
    <numberOfSolicitingFirms>0</numberOfSolicitingFirms>
    <clientsServedAsMA>3</clientsServedAsMA>
    <typesOfClients>
      <typesOfClients>
        <clientTypes>Municipal Entities</clientTypes>
        <clientTypes>Non-profit organizations</clientTypes>
        <clientTypes>Other</clientTypes>
      </typesOfClients>
      <typesOfClientsOther>Prime contractors serving municipal entities or non-profit organizations, where I am a subcontractor</typesOfClientsOther>
    </typesOfClients>
    <numberOfSolicitedME>0</numberOfSolicitedME>
    <numberOfSolicitedOP>0</numberOfSolicitedOP>
    <totalNumberOfSolicitedMEAndOP>0</totalNumberOfSolicitedMEAndOP>
    <typesOfSolicitedPersons>
      <solicitationPersonTypes>
        <solicitationPersonTypes>Not Applicable</solicitationPersonTypes>
      </solicitationPersonTypes>
    </typesOfSolicitedPersons>
    <meOrOPCompensationTypes>
      <compensationTypes>
        <compensationTypes>Hourly Charges</compensationTypes>
        <compensationTypes>Fixed Fees</compensationTypes>
      </compensationTypes>
    </meOrOPCompensationTypes>
    <solicitationCompensationTypes>
      <compensationTypes>
        <compensationTypes>Not Applicable</compensationTypes>
      </compensationTypes>
    </solicitationCompensationTypes>
    <receiveCompensationForMAAFromOtherClientsExplanation>If I am an independent contractor engaged by another Municipal Advisor or a subcontractor to a Prime Contractor, compensation for municipal advisory services to a mutual client may be invoiced and paid through the other municipal advisor/Prime Contractor</receiveCompensationForMAAFromOtherClientsExplanation>
    <engagedActivities>
      <engagedActivityTypes>
        <engagedActivityType>Advice Insurance Of MS</engagedActivityType>
        <engagedActivityType>Advice On Selection</engagedActivityType>
      </engagedActivityTypes>
    </engagedActivities>
    <isEngagedInOtherNonMAABusiness>Y</isEngagedInOtherNonMAABusiness>
    <otherNonMAABusinessPrimaryDescription>My primary business is IMPACTS USA Advisory Services, another "doing business as" name for a sole proprietorship I commenced in August 2014, through which I conduct management consulting, organizational assessment, project development, executive management staffing support, and strategic consulting to private, non-profit, and governmental entities, EXCLUSIVE of any municipal advisory activities.</otherNonMAABusinessPrimaryDescription>
    <fiaAssociatedPersonsTypes>
      <fiaAPTypes>Other municipal advisor</fiaAPTypes>
    </fiaAssociatedPersonsTypes>
    <totalFIAAssociatedPersons>1</totalFIAAssociatedPersons>
    <fiaAssociatedPersons>
      <fiaAssociatedPerson>
        <type>
          <com:add>Add</com:add>
        </type>
        <apTypes>
          <fiaAPTypes>Other municipal advisor</fiaAPTypes>
        </apTypes>
        <legalName>Sperry Capital Inc.</legalName>
        <primaryBusinessName>Sperry Capital Inc.</primaryBusinessName>
        <otherMunicipalAdviser>
          <isControlOrControlled>N</isControlOrControlled>
          <isUnderCommonControl>N</isUnderCommonControl>
          <isRegisteredWithFFRA>N</isRegisteredWithFFRA>
        </otherMunicipalAdviser>
      </fiaAssociatedPerson>
    </fiaAssociatedPersons>
    <participationInterestMACT>
      <mactBuySellFromClients>N</mactBuySellFromClients>
      <mactBuySellRecommendToClients>N</mactBuySellRecommendToClients>
      <mactEnterDerivativesWithClients>N</mactEnterDerivativesWithClients>
      <mactRecommendOwnedInterestToClients>N</mactRecommendOwnedInterestToClients>
      <mactRecommendToClientsServing>N</mactRecommendToClientsServing>
      <mactRecommendToClientsHavingOtherSalesInterest>N</mactRecommendToClientsHavingOtherSalesInterest>
      <mactDiscAuthBuySellAsMAA>N</mactDiscAuthBuySellAsMAA>
      <mactDiscAuthBuySell>N</mactDiscAuthBuySell>
      <mactDiscAuthDetermineBrokerDealer>N</mactDiscAuthDetermineBrokerDealer>
      <mactDiscAuthDetermineCommissionToBrokerDealer>N</mactDiscAuthDetermineCommissionToBrokerDealer>
      <mactRecommendBrokerDealerToClient>N</mactRecommendBrokerDealerToClient>
      <mactCompensateForReferrals>N</mactCompensateForReferrals>
      <mactReceiveCompensationForReferrals>N</mactReceiveCompensationForReferrals>
    </participationInterestMACT>
    <disclosureAnswers>
      <criminalDisclosure>
        <com:isConvictedOfFelony>N</com:isConvictedOfFelony>
        <com:isChargedWithFelony>N</com:isChargedWithFelony>
        <com:isOrgConvictedOfFelony>N</com:isOrgConvictedOfFelony>
        <com:isOrgChargedWithFelony>N</com:isOrgChargedWithFelony>
      </criminalDisclosure>
      <regulatoryDisclosure>
        <com:isMadeFalseStatement>N</com:isMadeFalseStatement>
        <com:isViolatedRegulation>N</com:isViolatedRegulation>
        <com:isCauseOfDenial>N</com:isCauseOfDenial>
        <com:isOrderAgainst>N</com:isOrderAgainst>
        <com:isImposedPenalty>N</com:isImposedPenalty>
        <com:isUnEthical>N</com:isUnEthical>
        <com:isFoundInViolationOfRegulation>N</com:isFoundInViolationOfRegulation>
        <com:isFoundInCauseOfDenial>N</com:isFoundInCauseOfDenial>
        <com:isOrderAgainstActivity>N</com:isOrderAgainstActivity>
        <com:isDeniedLicense>N</com:isDeniedLicense>
        <com:isFoundMadeFalseStatement>N</com:isFoundMadeFalseStatement>
        <com:isFoundInViolationOfRules>N</com:isFoundInViolationOfRules>
        <com:isFoundInCauseOfSuspension>N</com:isFoundInCauseOfSuspension>
        <com:isDiscipliend>N</com:isDiscipliend>
        <com:isAuthorizedToActAttorney>N</com:isAuthorizedToActAttorney>
        <com:isRegulatoryComplaint>N</com:isRegulatoryComplaint>
      </regulatoryDisclosure>
      <civilDisclosure>
        <com:isEnjoined>N</com:isEnjoined>
        <com:isFoundInViolationOfRegulation>N</com:isFoundInViolationOfRegulation>
        <com:isDismissed>N</com:isDismissed>
        <com:isNamedInCivilProceeding>N</com:isNamedInCivilProceeding>
      </civilDisclosure>
    </disclosureAnswers>
    <hasAnnualReceiptsLessThan7Million>Y</hasAnnualReceiptsLessThan7Million>
    <isAffiliatedWithReceiptsMoreThan7Million>N</isAffiliatedWithReceiptsMoreThan7Million>
    <scheduleA>
      <persons>
        <person>
          <name>
            <com:firstName>BARBARA</com:firstName>
            <com:middleName>ANNE</com:middleName>
            <com:lastName>LLOYD</com:lastName>
          </name>
          <baseInformation>
            <titleStatus>OWNER</titleStatus>
            <statusAcquired>10-07-2013</statusAcquired>
            <ownershipCode>E</ownershipCode>
            <isControPerson>Y</isControPerson>
          </baseInformation>
        </person>
      </persons>
    </scheduleA>
    <scheduleC>
      <directPersons>
        <person>
          <type>
            <com:add>Add</com:add>
          </type>
          <baseInformation>
            <name>
              <com:firstName>BARBARA</com:firstName>
              <com:middleName>ANNE</com:middleName>
              <com:lastName>LLOYD</com:lastName>
            </name>
            <baseInformation>
              <titleStatus>OWNER</titleStatus>
              <statusAcquired>10-07-2013</statusAcquired>
              <ownershipCode>E</ownershipCode>
              <isControPerson>Y</isControPerson>
            </baseInformation>
          </baseInformation>
        </person>
      </directPersons>
    </scheduleC>
    <maExecutionPage>
      <signature>
        <com1:signature>Barbara A. Lloyd</com1:signature>
        <com1:signerName>Barbara A. Lloyd</com1:signerName>
        <com1:title>Owner</com1:title>
        <com1:date>03-31-2015</com1:date>
      </signature>
    </maExecutionPage>
    <controls>
      <isSolePropietor>Y</isSolePropietor>
      <hasNameChange>N</hasNameChange>
      <hasDBAName>Y</hasDBAName>
      <hasPreviousDBAName>N</hasPreviousDBAName>
      <hasAdditionalDBANames>N</hasAdditionalDBANames>
      <hasMATReg>Y</hasMATReg>
      <additionalRegs>N</additionalRegs>
      <additionalOffices>N</additionalOffices>
      <hasMailingAddress>N</hasMailingAddress>
      <hasAdditionalWebsites>N</hasAdditionalWebsites>
      <hasBooksRecords>N</hasBooksRecords>
      <isRegisteredFFRA>N</isRegisteredFFRA>
      <isAffiliatedOtherBus>N</isAffiliatedOtherBus>
      <independentBusinessEmployee>N</independentBusinessEmployee>
      <receiveCompensationForMAAFromOtherClients>Y</receiveCompensationForMAAFromOtherClients>
      <isCPForApplicantPolicy>N</isCPForApplicantPolicy>
      <isPRCompanyUnder1215>N</isPRCompanyUnder1215>
      <hasScheduleB>N</hasScheduleB>
      <isSection12Or15ReportingCompany>N</isSection12Or15ReportingCompany>
      <isOtherNonMAABuisinesssPrimary>Y</isOtherNonMAABuisinesssPrimary>
    </controls>
  </formData>
</edgarSubmission>
