Secondary Mortgage Market Enterprises Regulatory Improvement Act

H.R. 1051, Predatory Lending Consumer Protection Act of 2001 H.R. 1052, Consumer Credit Card Protection Amendments of 2001 H.R. 1053, Equal Credit Enhancement and Neighborhood Protection Act of 2001 H.R. 1054, Truth in Lending Modernization Act of 2001 H.R. 1055, Federal Payday Loan Consumer Protection Amendments of 2001 H.R. 1057, Truth in Savings Enhancement Act of 2001 H.R. 1059, Consumer Affordable Transaction Act of 2001 H.R. 1060, Credit Card Predatory Practices Prevention Act of 2001 H.R. 1105, Homeowners' Escrow Payments Assurance Act H.R. 1319, Payday Borrower Protection Act of 2001 H.R. 1409, Secondary Mortgage Market Enterprises Regulatory Improvement Act H.R. 2531, Save Our Homes Act H.R. 2589, Office of Multifamily Housing Assistance Restructuring Extension Act of 2001 H.R. 3424, Community Choice in Real Estate Act S. 420, Bankruptcy Reform Act of 2001 S. 539, To amend the Truth in Lending Act to prohibit finance charges for on-time payments S. 891, Underage Consumer Credit Protection Act of 2001 S. 1839, Community Choice in Real Estate Act S. 3206, Home Ownership Expansion and Opportunities Act of 2001 S. 1620, Home Ownership Expansion Act of 2001 H.R. 4071, Uniform Securities Disclosure Act S. 1242, Consumer Credit Score Disclosure Act of 2001 S. 2438, Lending Consumer Protection Act of 2002

Client expense: Not reported · Firm income: $100,000

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

Issues related to mortgage lending, particularly predatory lending and issues related to Government Sponsored Enterprises, particularly HR 1409.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1051 – “Predatory Lending Consumer Protection Act”—provisions affecting HOEPA S. 2438 – “Predatory Lending Consumer Protection Act” H.R. 1409 – “Secondary Mortgage Market Enterprises Regulatory Improvement Act”—all sections S. 1242 – “Consumer Credit Score Disclosure Act”—all sections H.R. 4818 – “Mortgage Loan Consumer Protection Act” – provisions involving RESPA H.R. 4071 – “Uniform Securities Disclosure Act”

Client expense: $7,760,000 · Firm income: Not reported

H. R. 10, Comprehensive Retirement Security and Pension Reform Act of 2001. H.R. 1009, To repeal the prohibition on the payment of interest on demand deposits. H.R. 1051, Predatory Lending consumer Protection Act of 2001. H.R. 1057, Truth in Savings Enhancement Act of 2001. H.R. 1355, To merge the deposit insurance funds at the Federal Deposit Insurance Corporation. H.R. 1409, To reform the regulation of certain housing-related Government-sponsored enterprises, and for other purposes. H.R. 164, To amend the Federal Credit Union Act with respect to the definition of a member business loan. H.R. 1836, Restoring Earnings to Lift Individuals and Empower Families Act of 2001. H.R. 1899, To amend the Federal Deposit Insurance Act with respect to municipal deposits. H.R. 2620, Departments of Veterans Affairs and Housing and Urban Development, and Independent Agencies Appropriations Act, 2002. H.R. 2730, To amend the Gramm-Leach-Bliley Act to provide for uniform national financial privacy standards for financial institutions, and for other purposes. H.R. 2796, Federal Home Loan Bank Membership Act. H.R. 3162, To deter and punish terrorist acts in the United States and around the world, to enhance law enforcement investigatory tools, and for other purposes. H.R. 3230, American Small Business Emergency Relief and Recovery Act of 2001. H.R. 556, To prevent the use of certain bank instruments for unlawful Internet gambling, and for other purposes. H.R. 61, To Promote Youth Financial Education. H.R. 760, Faith Based Lending Protection Act. H.R. 760, To amend the Federal Credit Union Act with respect to the limitations on member business loans. H.R. 809. Antitrust Technical Corrections Act of 2001. H.R. 974, To repeal the prohibition on the payment of interest on demand deposits, to increase the number of interaccount transfers which may be made from business accounts at depository institutions, to authorize the Board of Governors of the Federal Reserve System to pay interest on reserves, and for other purposes. S. 128, Meeting America's Investment Needs in Small Towns Act of 2001. S. 187, Small Business Enhancement Act of 2001. S. 227, Municipal Deposit Insurance Protection Act of 2001. S. 306, Coverdell Education Savings Accounts Act of 2001. S. 631, Comprehensive Retirement Security and Pension Reform Act of 2001. S. 807, To Promote Youth Financial Education.

H.R. 1051 - "Predatory Lending Consumer Protection Act" - provisions affecting HOEPA H.R. 1409 - "Secondary Mortgage Market Enterprises Regulatory Improvement Act" - all sections S. 1242 - "Consumer Credit Score Disclosure Act" - all sections

Client expense: $5,440,000 · Firm income: Not reported

Issues related to mortgage lending, particularly S2415. Issues related to the regulation of activities of Government Sponsored Enterprises, particularly HR1409. Issues related to the payment of interest on business checking, particularly HR974.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to mortgage lending, particularly rpedatory lending. issues related to Government Sponsored Enterprises, particularly HR 1409.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Smartgrowth - H.R. 1861/S. 897 Affordable and Fair Housing Legislation Increasing the FHA Multifamily Insurance Loan Limits - H.R. 1629/S.1163 Technical Advice Memorandum (TAMs)- H.R. 3324 HUD FY 2002 Budget H.R. 2589 & S. 1254 - Multifamily Restruturing Legislation S. 1396/H.R. 2308 - the "First-Time Homebuyer Down Payment Assistance Act" H.R. 3000 - Legislation Giving Incentives for Developers to Build and Remodel Homes FHA Mortgage Insurance Premiums House Supplemental Appropriations Bill FY 2003 Housing Appropriations, Particularly on Section 515, Section 538, and Section 502 FY 2003 VA/HUD Low Income Housing Tax Credits Government-Sponsored Enterprises - H.R. 1409

Client expense: $19,379 · Firm income: Not reported

Government-Sponsored Enterprises Regulation - H.R. 1409

Client expense: $19,379 · Firm income: Not reported

Issues related to real estate appraisals and mortgage lending, including predatory lending legislation such as S. 2415. Issues related to regulation of government Sponsored Enterprises, particularly H.R. 1409.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to mortgage lending, particularly predatory lending. Issues related to regulation of Government Sponsored Enterprises, particularly HR. 1409.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1051 - "Predatory Lending Consumer Protection Act" H.R. 1053 - "Equal Credit Enhancement and Neighborhood Protection Act" H.R. 1055 - "Federal Payday Loan Consumer Protection Amendments" H.R. 1057 - "Truth in Savings Enhancement Act" H.R. 1060 - "Credit Card Predatory Practices Prevention Act" H.R. 1409 - "Secondary Mortgage Market Enterprises Regulatory Improvement Act" National Credit Union Administration - Proposed rule allowing certain credit unions to raise the minimum dollar amount that would require an appraisal

Client expense: $4,480,000 · Firm income: Not reported