National Heritage Areas Policy Act

Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support an Affordable Housing Trust Fund (H.R. 2895 / in Senate version of H.R. 3221). Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Support H.R. 1427, H.R. 1227, H.R. 840, H.Res. 526, H.R. 1851, H.R. 2895, S. 2452, H.R. 3915 with strengthening amendments. Support H.R. 5830. Support H.R. 3221 in the Senate, H.R. 5818. Support the Affordable Housing Trust Fund in H.R. 3221; support funding for the Affordable Housing Trust Fund in HR 1424.

Client expense: $50,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office

End predatory lending, including pay-day lending, and ensure equal access to fair credit and main-stream financial insitutions by all Americans. Ease the home forclosure crisis. Support H.R. 1427; support H.Con.Res. 140 Support S. 2452; support strengthening amendments to H.R. 3915. Support a moratorium on foreclosures, support H.R. 6076; support H.R. 5830. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act, H.R. 2634 / S. 2166. Support expansion of FHA loans to ease the foreclosure crisis, H.R. 3221 / H.R. 5830, support increasing funds for states and local communities to deal with foreclosed homes, support H.R. 5818. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support H.R. 5679. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout (H.R. 1424). Try to stop abusive credit card practices (support H.R. 5244).

Client expense: $50,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424). Regulation: Community Reinvestment Act regulations; FDIC ILC Applications; OTS gift card guidance; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Payday Lending Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FTC Privacy Rules; OTS Unfair & Deceptive Rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, FBI Subpoenas Addendum, Financial Institution Regulatory Restructuring, SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules; Guidance on HELOC reductions; Best Practices for Residential Covered Bonds; FRB Reg. S (privacy); HUD RESPA Regulations; Money Market Fund Guaranties; Fannie Mae/Freddie Mac Conservatorship; SEC Short-Selling Rules; FASB Fair Value Accounting Regs; Auction-Rate Securities Rules; Timing of FASB/SEC Rules; FDIC Deposit Insurance Coverage Regulations. #17. (continued from previous page) Public Company Accounting Oversight Board Office of Federal Housing Enterprise Oversight

Client expense: $230,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Legislation and oversight issues affecting housing, Government Sponsored Enterprises and, in particular, structure, operations and supervision of Federal Home Loan Banks. GSE legislation is H.R. 3221, H.R. 1427 and S. 1100; FHA reform is H.R. 1852 and S. 2338; foreclosure prevention is S. 2636; FHA mortgage refinancing is H.R. 5830; mortgage bankruptcy is H.R. 3609 and S. 2136; subprime mortgage regulation is H.R. 3915 and S. 2452; and economic stabilization is H.R. 1424.

Client expense: Not reported · Firm income: $80,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and oversight issues affecting housing, Government Sponsored Enterprises and, in particular, structure, operations and supervision of Federal Home Loan Banks. GSE legislation is H.R. 3221, H.R. 1427 and S. 1100; FHA reform is H.R. 1852 and S. 2338; foreclosure prevention is S. 2636; FHA mortgage refinancing is H.R. 5830; mortgage bankruptcy is H.R. 3609 and S. 2136; subprime mortgage regulation is H.R. 3915 and S. 2452; and economic stabilization is H.R. 1424.

Client expense: Not reported · Firm income: $80,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and oversight issues affecting housing, Government Sponsored Enterprises and, in particular, structure, operations and supervision of Federal Home Loan Banks. GSE legislation is H.R. 1427 and S. 1100; FHA reform is H.R. 1852 and S. 2338; foreclosure prevention is S. 2636; FHA mortgage refinancing is H.R. 5830; mortgage bankruptcy is H.R. 3609 and S. 2136; and subprime mortgage regulation is H.R. 3915 and S. 2452.

Client expense: Not reported · Firm income: $110,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and oversight issues affecting housing, Government Sponsored Enterprises and, in particular, structure, operations and supervision of Federal Home Loan Banks. GSE legislation is H.R. 1427, S. 1100, and H.R. 3221; FHA reform is H.R. 1852 and S. 2338; foreclosure prevention is S. 2636; FHA mortgage refinancing is H.R. 5830; mortgage bankruptcy is H.R. 3609 and S. 2136; and subprime mortgage regulation is H.R. 3915 and S. 2452.

Client expense: Not reported · Firm income: $110,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Government Sponsored Enterprises-Regulatory Authority (H.R. 1427) Data Security (H.R. 1685-S. 1260) Regulatory Relief (H.R. 1550) Mortgage Reform and Anti-Predatory Lending (H.R. 3915) Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Mortgage Refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage Restructuring (H.R. 5579) Housing and Economic Recovery Act of 2008 (H.R. 3221)

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Oversight of SEC concerning regulation of broker dealers and hedge funds, and legislation affecting secondary mortgage market including FHA reform (H.R. 1852 and S. 2338); FHA mortgage refinancing (H.R. 5830); mortgage bankruptcy (S. 2136 and H.R. 3609); GSE reform (S. 1100 and H.R. 1427); and mortgage regulatory reform (H.R. 3915 and S. 2452).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

Client expense: $90,345 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Intl Trade Administration (ITA), Occupational Safety & Health Administration (OSHA), SENATE, Transportation, Dept of (DOT), Treasury, Dept of

S 577 "Oil and Gas Traders Oversight Act", HR 594 "Prevent Unfair Manipulation of Prices Act" , HR 2419 "Food and Energy Security Act" - amend the Commodity Exchange Act to add provision relating to reporting and recordkeeping for positions involving energy commodities; In advance of April 3 hearing, gave JPMorgan Chase perspective on the Bear Stearns merger; HR 3185 "401(k) Fair Disclosure for Retirement Security Act" - provides for the "unbundling" of 401(k) fees and mandates inclusion of index fund; HR 1427 "Federal Housing Finance Reform Act" - reform regulation of government-sponsored enterprises; Advocate for Rural Utility Service loan guarantee for broadband project sponsored by One Equity Partners; Educate Members and staff on proposal to transfer and stabilize pension liabilities from financially troubled corporations; Educate Members and staff on JPMorgan Chase's experience with the current bond insurance system in advance of hearing in the House Financial Services Committee; Address proposals advanced for the comprehensive reform of market regulation to address recent market turmoil; Discuss ideas to ensure U.S. global economic competitiveness.

Client expense: $1,430,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Federal Highway Administration (FHA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

FY 2009 HUD Appropriations, H.R. 1851, FHA Modernization, H.R. 3221, Foreclosure Prevention Act; H.R. 1427, GSE Regulatory Reform; H.R. 5720 and S. 2666, Housing Assistance Tax Act; H.R. 3221, Housing and Economic Recovery Act

Client expense: Not reported · Firm income: $40,000

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

GSE Reform, H.R. 1427; Federal Housing Finance Reform Act of 2007; S. 1100, Federal Housing Finance Reform Act; H.R. 7334, TARP Accountability Act of 2008; S. 3683, A bill to amend the Emergency Economic Stablization Act (EESA); S. 3731, Special Inspector General for the TARP Act 0f 2008;

Client expense: Not reported · Firm income: $40,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

HR 2347/S 1430 - To authorize state and local governments to direct divestments from, and prevent investments in, companies with investments of $20,000,000 or more in Iran's energy sector; Argentina debt default; S 970 - To impose sanctions on Iran and on Russia for assisting Iran in developing a nuclear program; HR 1427 - Federal Housing Finance Reform Act HR 2586 - Securities & Exchange Commission Authority Restoration Act of 2007 HR 1400 - To enhance United States diplomatic efforts with respect to Iran by imposing additional economic sanctions against Iran HR 3185 - The "401(k) Fair Disclosure for Retirement Security Act of 2007" HR 3765 - Defined Contribution Plan Fee Transparency Act of 2007 S 2473 - Defined Contribution Fee Disclosure Act of 2007 HR 3915 - Mortgage Reform & Anti-Predatory Lending Act HR 5579 - The Emergency Mortgage Loan Modification S 2133 - Homeowners' Mortgage and Equity Savings Act of 2007 S 2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007 S 2338 - FHA Modernization Act of 2007 HR 1852 - Expanding American Homeownership Act of 2007 HR 6049/S 3125 - Renewable Energy and Job Creation Act S 3227 - Iran Sanctions Act of 2008 HR 6604 - Commodity Markets Transparency and Accountability Act HR 1424 - Emergency Economic Stability Act (EESA) Covered bonds Money market guarantee program Proxy access issues Securities regulation issues International reciprocity issues Executive compensation issues

Client expense: $280,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Education, Dept of, Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, White House Office

GSE Reform, H.R. 1427; Federal Housing Finance Reform Act of 2007; S. 1100, Federal Housing Finance Reform Act; H.R. 7334, TARP Accountability Act of 2008; S. 3683, A bill to amend the Emergency Economic Stablization Act (EESA); S. 3731, Special Inspector General for the TARP Act 0f 2008;

Client expense: Not reported · Firm income: $40,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

GSE Reform, H.R. 1427; Federal Housing Finance Reform Act of 2007; S. 1100, Federal Housing Finance Reform Act; H.R. 7334, TARP Accountability Act of 2008; S. 3683, A bill to amend the Emergency Economic Stablization Act (EESA); S. 3731, Special Inspector General for the TARP Act 0f 2008;

Client expense: Not reported · Firm income: $80,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Oversight and regulation of housing activities of government-sponsored enterprises, including Office of Federal Housing Enterprise Oversight regulations regarding risk based capital requirements, SEC, registration and HUD proposed affordable housing goals; H.R. 1852 Housing Act; H.R. 1427 Federal Housing Finance Reform Act.

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

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

Basel Federal Deposit Insurance Reform (H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 531; S. 556) GSEs - Regulatory Authority (H.R. 1427) Internet gambling (H.R. 2607, H.R. 2046) Data security (S. 1260; H.R. 1685) Pension reform (H.R. 2988; S. 1254) Phishing (H.R. 1525, H.R. 964; S. 2661) Privacy (S. 495, S. 1401, S. 717; H.R. 1967, H.R. 1117) Regulatory relief (H.R. 1550) Social security numbers protection (S. 1208, H.R. 2455, H.R. 3046, H.R. 2291) Terrorism Risk Insurance Act Identity theft (S. 1178; S. 806) Mortgage refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage restructuring (H.R. 5579) Credit cards (H.R. 5244, H.R. 5280; S. 2542) Housing and Economic Recovery Act 2008 (S. 1395) Emergency Economic Stabilization Act of 2008 (H.R. 1424)

Client expense: Not reported · Firm income: $80,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Government Sponsored Enterprises-Regulatory Authority (H.R. 1427) Data Security (H.R. 1685; S. 1260) Regulatory Relief (H.R. 1550) Mortgage Reform and Anti-Predatory Lending (H.R. 3915) Federal Deposit Insurance Reform (H.R. 1427; S. 1100, S. 1386) Mortgage Refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage Restructuring (H.R. 5579) Housing and Economic Recovery Act of 2008 Emergency Economic Stabilization Act of 2008 (H.R. 1424)

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1685 (Data Security Act of 2007) (Protect Information Relating to Consumers to Require Notice of Security Breaches); S. 1260 (Data Security Act); H.R. 958 (Data Accountability and Trust Act); S. 1202 (Personal Data Act of 2007); S. 239 (Notification of Risk to Personal Data Act of 2007); S. 495 (Personal Privacy Data and Security Act); S. 1178 (Identity Theft Prevention Act); H.R. 948 (Social Security Number Protection Act); H.R. 3915 (Mortgage Reform and Anti-Predatory Lending Act); S. 2452 (Homeownership Preservation Act); S. 1299 (Borrower's Protection Act of 2007) (Subprime Lending); S. 1208 (Social Security Account Number Protection Act); H.R. 3837 (Escrow, Appraisal and Mortgage Servicing Improvements Act); H.R. 3012 (Fair Mortgage Practices Act); S. 1926 (National Infrastructure Bank Act); H.R. 4178 (Emergency Mortgage Loan Modification Act); H.R. 5579 (Emergency Loan Modification Act of 2008); Servicer safe harbor for debt restructuring of residential mortgages; S. 2338 (FHA Modernization Act)/ H.R. 1852 (Expanding American Homeownership Act) : (FHA Reform); H.R. 1427 (Federal Housing Finance Reform)/ S. 1100 (Federal Housing Enterprise Regulatory Reform Act): (GSE Reform); H.R. 3648 (Mortgage Forgiveness Debt Relief Act of 2007 with Senate Amendment); S. 2517 (To amend the Internal Revenue Code of 1986 to provide that the proceeds of qualified mortgage bonds may be used to provide refinancing for subprime loans) (Mortgage revenue bonds); S. 1356 (Industiral Bank Holding Company Act); H.R. 698 (Industrial Bank Holding Company Act); S. 238 (Social Security Number Misuse Prevention Act); H.R. 5140 (Economic Stimulus Act of 2008, with Senate Amendment) (Economic Stimulus/MRBs/FHA & GSE Loan Limits); S. 2737 (Security Against Foreclosures and Education Act - "Safe Act"); S. 1691 (Social Security Number Online Protection Act); S. 2168 (Identity Theft Enforcement and Restitution Bill); H.R. 3046 (Social Security Number and Identity Theft Prevention Act); Federal Family Education Loan Program/Private Student Lending Secondary Market Issues; H.R. 2091(To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds) (Federal Home Loan Bank bonds to tax exempt); S. 1963 (To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds); Expanded FHA lending; H.R. 5679 (Foreclosure Prevention and Sound Mortgage Security Act); H.R. 3221 (Foreclosure Prevention Act) (GSE loan limits/FHA modernization and expansion/servicer safe harbor); H.R. 5723 (Emergency Student Loan Market Liquidity Act); S. 2847 (Emergency Student Loan Market Liquidity Act); H.R. 5715:PL 110-227 (To ensure continued availability of access to the Federal student loan program for students and families); S. 2815 (Strengthening Student Aid for All Act); H.R. 6659 (The Equal Treatment of Covered Bonds Act); EU Capital Requirements Directive; Federal Reserve Board Proposed Rule Reg AA (credit card practices).

Client expense: $1,320,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Education, Dept of, Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support an Affordable Housing Trust Fund (H.R. 2895 / in Senate version of H.R. 3221). Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Support H.R. 1427, H.R. 1227, H.R. 840, H.Res. 526, H.R. 1851, H.R. 2895, S. 2452, H.R. 3915 with strengthening amendments. Support H.R. 5830. Support H.R. 3221 in the Senate, H.R. 5818. Support the Affordable Housing Trust Fund in H.R. 3221; support funding for the Affordable Housing Trust Fund in HR 1424.

Client expense: $50,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office

End predatory lending, including pay-day lending, and ensure equal access to fair credit and main-stream financial insitutions by all Americans. Ease the home forclosure crisis. Support H.R. 1427; support H.Con.Res. 140 Support S. 2452; support strengthening amendments to H.R. 3915. Support a moratorium on foreclosures, support H.R. 6076; support H.R. 5830. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act, H.R. 2634 / S. 2166. Support expansion of FHA loans to ease the foreclosure crisis, H.R. 3221 / H.R. 5830, support increasing funds for states and local communities to deal with foreclosed homes, support H.R. 5818. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support H.R. 5679. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout (H.R. 1424). Try to stop abusive credit card practices (support H.R. 5244).

Client expense: $50,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424); Military Bankruptcy (S.3197); Pension Fund Reform (H.R.7327). Regulation: Community Reinvestment Act regulations; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, Financial Institution Regulatory Restructuring; SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules; Guidance on HELOC reductions; Best Practices for Residential Covered Bonds; FRB Reg. S (privacy); HUD RESPA Regulations; Money Market Fund Guaranties; Fannie Mae/Freddie Mac Conservatorship; SEC Short-Selling Rules; FASB Fair Value Accounting Regs; Auction-Rate Securities Rules; Timing of FASB/SEC Rules; FDIC Deposit Insurance Coverage Regulations; Truth-in-Savings Regulations; Risk Weighting of capital standards; Interest on Reserve Requirements; FDIC Restoration Plan; Deposit and Debt Guarantee Program; Guaranty Program for Troubled Assets; Capital Purchase Program; Hope for Homeowners Program; Overdraft Regulations; Currency Transaction Report Exemptions. #17. (continued from previous page) Public Company Accounting Oversight Board

Client expense: $160,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

GSE reform legislation, H.R. 1427, H.R. 3221, S. 1100; FHFB director regulations; Affordable housing program grant assistance; FHL Bank Merger Discussions; Economic Stimulous Package; S. 1963 and H.R. 2091 to amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the federal home loan banks to be treated as tax exempt bonds; H.R. 5720, Housing Assistance Tax Act of 2008.

Client expense: Not reported · Firm income: $60,000

Government targets: Executive Office of the President (EOP), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405), all provisions S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board H.R. 6870, The Payment System Protection Act, all provisions H.R. 3997, Emergency Economic Stablization Act, House Amendment to the Senate Amendment to the House Amendment to the Senate Amendment, Title I, Sections 101-135, related to the Troubled Asset Recovery Program. H.R. 1424, Emergency Economic Stabilization Act, Senate Amendment 5685, Title I, Sections 101-135, related to the Troubled Asset Recovery Program and Section 136, related to the National Credit Union Share Insurance Fund. S. 2284, Flood Insurance Reform and Modernization Act of 2007, all provisions S. 3787, Protecting Consumers from Unreasonable Credit Rates Act of 2008, all provisions S. 3632, Fostering American Independence from Regressive and Abusive Credit Transactions Act of 2008, section 2

Client expense: $746,324 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), White House Office

Issues related to the implementation of the Manufactured Housing Improvement Act of 2000 and related issues. Issues related to FHA loan limits and reforms for manufactured housing, particularly H.R. 2139 and S. 1741, the FHA Manufactured Housing Loan Modernization Act of 2007. Issues related to requiring weather radios in manufactured housing, particularly H.R. 2787 and S. 2724. Issues related to Government Sponsored Enterprises and their duty to assist underserved markets, particularly H.R. 1427 and S. 2391 and including H.R. 5830 and H.R. 3221,dealing with efforts to stabilize the housing and mortgage crisis. Issues related to utilization of manufactured housing in the FEMA Accountability Act of 2008 (S.2382 and H.R. 4830) Issues related to manufactured housing and the Emergency Economic Stabilization Act of 2008 (H.R. 1424) . Any other issues related to manufactured housing generally.

Client expense: Not reported · Firm income: Not reported

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

Issues related to the Real Estate Settlement Procedures Act and new HUD regulations. Issues related to the regulation of GSEs and limits on their powers, particularly H.R. 1427 and S.2391 and following legislation H.R. 3221. Issues related to predatory lending, particularly H.R. 2061, H.R. 3915 and S. 2391.

Client expense: Not reported · Firm income: $10,000

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

HR3221 Housing & Economic Recovery Act 2008 Provision to provide $4b Comm Develop Blk Grnt to prchs/rehab frclsd props. HR1427 Fed Hsng Fin Ref Act 2007 Authorizes federal housing trust program. HR3915 Mrtg Reform/Anti-Predatory Lending Act 2007 Authorizes federal housing trust program. HR1852 Expnd Amer Homeownership Act 2007 Author fed hsing trst prog; HR 2895 Ntl Affrdble Hsing Author federal housing HR2895 National Affordable Housing Trust Fund Act 2007 Authorizes federal housing trust Program House/Senate

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support an Affordable Housing Trust Fund (H.R. 2895 / in Senate version of H.R. 3221). Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Support H.R. 1427, H.R. 1227, H.R. 840, H.Res. 526, H.R. 1851, H.R. 2895, S. 2452, H.R. 3915 with strengthening amendments. Support H.R. 5830. Support H.R. 3221 in the Senate, H.R. 5818. Support the Affordable Housing Trust Fund in H.R. 3221; support funding for the Affordable Housing Trust Fund in HR 1424.

Client expense: $50,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office

End predatory lending, including pay-day lending, and ensure equal access to fair credit and main-stream financial insitutions by all Americans. Ease the home forclosure crisis. Support H.R. 1427; support H.Con.Res. 140 Support S. 2452; support strengthening amendments to H.R. 3915. Support a moratorium on foreclosures, support H.R. 6076; support H.R. 5830. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act, H.R. 2634 / S. 2166. Support expansion of FHA loans to ease the foreclosure crisis, H.R. 3221 / H.R. 5830, support increasing funds for states and local communities to deal with foreclosed homes, support H.R. 5818. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support H.R. 5679. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout (H.R. 1424). Try to stop abusive credit card practices (support H.R. 5244).

Client expense: $50,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Voice of America, White House Office

Oversight and regulation of housing activities of government-sponsored enterprises, including Office of Federal Housing Enterprise Oversight regulations regarding risk based capital requirements, SEC, registration and HUD proposed affordable housing goals; H.R. 1852 Housing Act; H.R. 1427 Federal Housing Finance Reform Act.

Client expense: Not reported · Firm income: $240,000

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

H.R. 1685 (Protect Information Relating to Consumers to Require Notice of Security Breaches); S. 1260 (Data Security Act); H.R. 958 (Data Accountability and Trust Act); S. 1202 (Personal Data Act of 2007); S. 239 (Notification of Risk to Personal Data Act of 2007); S. 495 (Personal Privacy Data and Security Act); S. 1178 (Identity Theft Prevention Act); H.R. 948 (Social Security Number Protection Act); H.R. 3915 (Mortgage Reform and Anti-Predatory Lending Act); S. 2452 (Homeownership Preservation Act); S. 1299 (Subprime Lending); S. 1208 (Social Security Account Number Protection Act); H.R. 3837 (Escrow, Appraisal and Mortgage Servicing Improvements); H.R. 3012 (Fair Mortgage Practices Act); S. 1926 (National Infrastructure Bank); H.R. 4178 (Emergency Mortgage Loan Modification Act); H.R. 5579 (Emergency Loan Modification Act of 2008); Servicer safe harbor for debt restructuring of residential mortgages; S. 2338/ H.R. 1852 (Expanding American Homeownership Act) (FHA Reform); H.R. 1427/ S. 1100 (GSE Reform); H.R. 3648 Mortgage Forgiveness Debt Relief Act of 2007 with Senate Amendment); S. 2517 (Mortgage revenue bonds); S. 1356/ H.R. 698 (Industrial Bank Holding Company Act) (Industrial Loan Companies); S. 238 (Social Security Number Misuse Prevention Act); H.R. 5140 (Economic Stimulus/MRBs/FHA & GSE Loan Limits) (Economic Stimulus Act of 2008, with Senate Amendment); S. 2737 (Security Against Foreclosures and Education Act - "Safe Act"); S. 1691 (Social Security Number Online Protection Act); S. 2168 (Identity Theft Enforcement and Restitution Bill); H.R. 3046 (Social Security Number and Identity Theft Prevention Act); Federal Family Education Loan Program/Private Student Lending Secondary Market Issues; H.R. 2091/ S. 1963 (Federal Home Loan Bank bonds to tax exempt); Expanded FHA lending; H.R. 5679 (Foreclosure Prevention and Sound Mortgage Security Act); H.R. 3221 (Foreclosure Prevention Act) (GSE loan limits; FHA modernization and expansion; servicer safe harbor); H.R. 5723/ S. 2847 (Emergency Student Loan Market Liquidity Act); H.R. 5715;PL 110-227 (to ensure continued availability of access to Federal student loan program); S. 2815 (Strengthening Student Aid for All Act); H.R. 6659 (The Equal Treatment of Covered Bonds Act); EU Capital Requirements Directive; Federal Reserve Board Proposed Rule Reg AA (credit card practices).

Client expense: $1,430,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

H.R.3915, H.R.5679, H.R.3221, H.R.1427. Home owner loss mitigation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.3915, H.R.5679, H.R.3221, H.R.1427. Home owner loss mitigation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.3915, H.R.5679, H.R.3221, H.R.1427. Home owner loss mitigation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

FHA and GSE reform and modernization, FHA and GSE loan limits, mortgage broker participation in FHA: (H.R. 1852/S.2338/H.R. 5140/H.R. 3221/H.R. 1427) Mortgage reform: Combating Predatory Lending, Preserving Yield Spread Premium, regulating mortgage originators (H.R. 3915/S. 2452/S. 2595); HR 1424 Emergency Economic Stabilization Act of 2008.

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

FHA and GSE reform and modernization, FHA and GSE loan limits, mortgage broker participation in FHA: (H.R. 1852/S.2338/H.R. 5140/H.R. 3221/H.R. 1427) Mortgage reform: Combating Predatory Lending, Preserving Yield Spread Premium, regulating mortgage originators (H.R. 3915/S. 2452/S. 2595); HR 1424 Emergency Economic Stabilization Act of 2008.

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

FY 2009 HUD Appropriations, H.R. 1851, FHA Modernization, H.R. 3221, Foreclosure Prevention Act; H.R. 1427, GSE Regulatory Reform; H.R. 5720 and S. 2666, Housing Assistance Tax Act; H.R. 3221, Housing and Economic Recovery Act

Client expense: Not reported · Firm income: $40,000

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

HR 2347/S 1430 - To authorize state and local governments to direct divestments from, and prevent investments in, companies with investments of $20,000,000 or more in Iran's energy sector; Argentina debt default; S 970 - To impose sanctions on Iran and on Russia for assisting Iran in developing a nuclear program; HR 1427 - Federal Housing Finance Reform Act HR 556 - National Security Foreign Investment Reform and Strengthened Transparency Act of 2007 HR 2586 - Securities & Exchange Commission Authority Restoration Act of 2007 HR 1400 - To enhance United States diplomatic efforts with respect to Iran by imposing additional economic sanctions against Iran Regulation R guidance (File No. S7-22-06/Docket No. R-1274) HR 3185 - The "401(k) Fair Disclosure for Retirement Security Act of 2007" HR 3765 - Defined Contribution Plan Fee Transparency Act of 2007 S 2473 - Defined Contribution Fee Disclosure Act of 2007 HR 3915 - Mortgage Reform & Anti-Predatory Lending Act HR 5579 - The Emergency Mortgage Loan Modification S 2133 - Homeowners' Mortgage and Equity Savings Act of 2007 S 2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007 S 2338 - FHA Modernization Act of 2007 HR 1852 - Expanding American Homeownership Act of 2007 HR 6049/S 3125 - Renewable Energy and Job Creation Act S 3227 - Iran Sanctions Act of 2008 HR 6604 - Commodity Markets Transparency and Accountability Act HR 1424 - Emergency Economic Stability Act (EESA) Covered bonds Money market guarantee program Proxy access issues Securities regulation issues International reciprocity issues Executive compensation issues

Client expense: $340,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Education, Dept of, Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, White House Office

Federal Home Loan Banks Regulatory Reform of Government Sponsored Enterprises and Federal Home Loan Bank System (H.R. 1427, S. 1100, H.R. 3221) Conforming Loan Limits (H.R. 1427, S. 1100 H.R. 5140, H.R. 3221) RESPA reform (HUDs proposed regulation) Reporting of Home Mortgage Disclosure Act data Mortgage reforms (H.R. 3915, H.R. 3012, S. 2296, S. 2153, S. 2452, S. 1299, H.R. 3221) Federal Reserve Boards Home Ownership and Equity Protection Act regulations Adjustable Rate Mortgages (H.R. 3915, H.R. 3012, S. 2452) Appraisal Reforms (H.R. 3915, H.R. 3837, S. 2452) Non-traditional Mortgage Products (H.R. 3915, H.R. 3012, S. 2452) National Flood Insurance Program (H.R. 3121, S. 2284) Mortgage Loan Modifications and Servicer Liability (H.R. 4178, H.R. 5579, H.R. 3221) FHA Modernization (H.R. 1852, S. 2338, H.R. 3221) Mortgage Broker Disclosure Licensing and registration of mortgage originators (H.R. 3221) Homeownership Rescue Plans Foreclosure Prevention (H.R. 5679) Emergency Economic Stabilization Act of 2008 (H.R. 1424)

Client expense: $310,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues relating to convergence of US GAAP and IFRS accounting standards. HR 1427/S 1100, "Federal Housing Finance Reform Act." HR 3012, "Fair Mortgage Practices Act of 2007." S 1299, "Borrower's Protection Act." Regulation of Investment Advisors and Broker Dealers. Financial services industry regulatory restructuring. SEC Rule 15a-6, a proposed regulation providing for expansion of U.S. investor options. Monoline insurers and associated issues in the auction rate securities markets. S 2636/HR 3221, "Foreclosure Prevention Act of 2008." HR 5579, "To remove an impediment to troubled debt restructuring on the part of holders of residential mortgage loans, and for other purposes." HR 1424, "Emergency Economic Stabilization Act of 2008."

Client expense: $140,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Credit card, interchanges fees and practices, S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; GSE Reform, H.R. 1427; Federal Housing Finance Reform Act of 2007; S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007; S. 1561, with respect to exceptions to discharge in bankruptcy for certain qualified educational loans; S. 1642, the Higher Education Amendments of 2007; H.R. 5280, Stop Unfair Practices in Credit Cards Act of 2008; Govt Purchase Card, S.680, Accountability in Government Contracting Act of 2007; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5244, The Credit Cardholders Bill of Rights; H.R.5546, Credit Card Fair Fee Act of 2008; H.R. 323 the Seasoned Customer Exemption Act; S.Credit Card Fair Fee Act; H.R 5767, Payment System Protection Act of 2008; S. 3252.Credit Card Accountability Responsibility and Disclosure Act of 2008; H.R. 6870, Payment System Protection Act of 2008

Client expense: $1,800,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

GSE Reform, H.R. 1427; Federal Housing Finance Reform Act of 2007; S. 1100, Federal Housing Finance Reform Act;

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Railroad Administration, Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

GSE Reform, H.R. 1427; Federal Housing Finance Reform Act of 2007; S. 1100, Federal Housing Finance Reform Act;

Client expense: Not reported · Firm income: $60,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

GSE legislation S1100, HR1427, HR3915 - subprime mortgaeg issue S2338 Fedreal Housing Administration Reform S2338 HR1852 issue related to subprime mortgage market HR391 bill to increase cap on FHA home equity conversion mortgages. Ligislation to expand FHA to assist consumers unable to cintinue their mortgage payments HR5830 legislation to require servicers to engage in certain loss mitigation efforts no bill # S2636 Foreclosure Prevention Act HR3221 legislation aimed at helping foreclosures HR5720 HR5579 lioan modification/services Safe Harbor HR3221 - mortgage rescue legislation

Client expense: $515,740 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE