Depository Institution Community Development Investments Enhancement Act

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

Regulatory Relief regarding federal thrifts (H.R. 6312) Public Welfare Investments for Thrifts (H.R. 1066, S. 2487, H.R. 3221) Credit Card Practices (S. 1395, S. 1176, S. 1309, H.R. 2146, H.R. 873, H.R. 1461, H.R. 1510) Basel II Capital proposal Bank overdraft practices (H.R. 946) Bank Secrecy Act (H.R. 323) Electronic Payment Systems, including Interchange Fees (H.R. 5546, S. 3086) Bank Customer Information Security (S. 1260, S. 1178, S. 495, H.R. 958, H.R. 1685, H.R. 948) Treasurys Proposal on Regulatory Restructuring Unfair or Deceptive Acts or Practices authority for Bank Regulators (H.R. 3526) Internet Gambling Regulations Preservation of Preemption Authority Covered Bonds Industrial Loan Companies (The Industrial Bank Holding Company Act of 2008 no bill number) Provisions governing regulation of S&L holding companies Federal Reserve and OTS Proposal on Unfair or Deceptive Practices or Acts and Amendments to Regulation Z and DD (credit card and overdraft practices) Private equity investments in financial institutions Regulatory Status of WaMu Bank Individual Development Accounts

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

H.R. 3221, "American Housing Rescue and Foreclosure Prevention Act of 2008," issues related to the financial services industry. H.R 1424, "The Emergency Economic Stabilization Act of 2008," issues related to the financial services industry. H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R. 3915, "The Mortgage Reform and Anti-Predatory Lending Act of 2007," issues related to the housing market and predatory lending. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform. S. 2338, "FHA Modernization Act of 2007," issues related to FHA modernization. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to FHA and GSE conforming loan limits. S. 2391, "GSE Mission Improvement Act," issues related to government sponsored enterprises. S. 2036, "Protecting Access to Safe Mortgages Act ," issues related to GSE conforming loan limits. H.R. 3777, "Protecting Access to Safe Mortgages Act," issues related to GSE conforming loan limits. H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2487, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending. H.R. 5818, "Neighborhood Stablization Act of 2008," issues related to mortgage lending. H.R. 5579, "Emergency Mortgage Loan Modification Act of 2008," issues related to mortgage lending. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008," issues related to mortgage lending. H.R. 5679, "The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008," issues related to mortgage lending. H.R. 634, "The Federal Housing Finance Regulatory Reform Act of 2008," issues related to mortgage lending. H.R. Issues related to the current financial crisis, the Federal Reserve's proposed changes to the HOEPA and Reg C regulations, RESPA, the HOPE NOW Alliance, FHASecrure, HOPE for Homeowners, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, issues related to mortgage broker licensing, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers,issues relating to the preemptive authority of the Office of the Comptroller of the Currency, issues related to the NY Attorney General's Agreement with the GSEs on appraisals, issues related to credit rating agencies, issues related to Mark to Market accounting

Client expense: Not reported · Firm income: $380,000

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R.1424: A bill to provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. H.R. 3997: Emergency Economic Stabilization Act of 2008 H.R.6213: to establish the Reinsurance International Solvency Standards Evaluation Board. H.R.6482: to direct the Securities and Exchange Commission to establish both a process by which asset-backed instruments can be deemed eligible for NRSRO ratings and an initial list of such eligible asset-backed instruments. H.R.6604: To amend the Commodity Exchange Act to bring greater transparency and accountability to commodity markets, and for other purposes. H. RES. 1449: Providing for consideration of the bill (H.R. 6604) to amend the Commodity Exchange Act to bring greater transparency and accountability to commodity markets, and for other purposes. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

Client expense: $470,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions. H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures. Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Anti-Money-Laundering programs/proposals. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Examined Treasury plans to protect financial markets; Fannie and Freddie preferred stock. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008

Client expense: $2,340,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office

HR 1066 Public Welfare Investment Bankruptcy Reform Regulatory Reform Consumer Overdraft Protection HR 554 Credit Card Financial Act of 2008 Fair Practices Act Fair Market Value

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 662 Postal Accountability Act, regarding implementation of postal reform act and NSA; HR 1066 Depository Institution Community Development, regarding increasing community development by financial institutions; HR 6308 Municipal Bond Fairness Act, regarding oversight of credit rating agencies; S 2153 Mortgage Disclosure Improvement Act, regarding amending the Truth in Lending Act to enhance disclosureof the terms of home mortgage loans; S 1782/HR 3010 Arbitration Fairness Act, regarding anti-arbitration clauses; HR 3221 Foreclosure Prevention Act, regarding foreclosure prevention and reform and tax credits; HR 1956 Business Activity Tax Simplification Act, regarding the establishment of a physical nexus standard; H.R. 6078 GREEN Act, regarding promoting energy efficiency in financial services.

Client expense: $1,150,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. H.R.6213: to establish the Reinsurance International Solvency Standards Evaluation Board. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

Client expense: $540,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

S 662 Postal Accountability Act, regarding implementation of postal reform act and NSA; HR 1066 Depository Institution Community Development, regarding increasing community development by financial institutions; HR 6308 Municipal Bond Fairness Act, regarding oversight of credit rating agencies; S 2153 Mortgage Disclosure Improvement Act, regarding amending the Truth in Lending Act to enhance disclosure of the terms of home mortgage loans; S 1782/ HR 3010 Arbitration Fairness Act, regarding anti-arbitration clauses; HR 3221 Foreclosure Prevention Act, regarding foreclosure prevention and reform and tax credits; HR 5267, HR 1956 Business Activity Tax Simplicfication Act, regarding establishment of a physical nexus standard; H.R. 6078. GREEN Act regarding promoting energy efficiency in financial services.

Client expense: $1,150,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

S 1395 "Stop Unfair Credit Card Practices" and HR 2146 "Universal Default Prohibition Act" - address concerns and educate on credit card pricing and marketing practices; HR 5546 and S 3086 "Credit Card Fair Fee Act" - educate on the role of interchange in the electronic payments network; HR 3915 "Mortgage Reform and Anti-Predatory Lending Act" and HR 2452 "Home Ownership Preservation and Protection Act" - protect homebuyers from predatory lending practices and support legislation providing for federal preemption of state laws; HR 1066 "Depository Institution Community Development Investments Enhancement Act" and S 2487 "Public Welfare Investments" - legislation relating to the Community Reinvestment Act; HR 948 "Social Security Number Protection Act" and HR 3046 "Social Security Number Privacy and Identity Theft Protection Act" - legislation to restrict the commercial use of Social Security numbers; S 473 "Combatting Money Laundering and Terrorist Financing Act" - improve the prohibitions on money laundering, and for other purposes; HR 946 "Conumer Overdraft Protection Fair Practices Act" - educate on legislation to increase regulation of overdraft protection programs; Educate administration and Congress on industry response to crisis in mortgage lending including loan modification; HR 3221 "American Housing Rescue and Foreclosure Prevention Act" - allow FHA to guarantee "underwater" mortgages that have been discounted by the original lender.

Client expense: $1,080,000 · 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

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Hearing testimony on credit card lending to students Discussions of reform of Anti-Money-Laundering programs. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Financial Education Teaching Children to Save program

Client expense: $1,890,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

Regulatory Relief regarding federal thrifts (H.R. 6312) Public Welfare Investments for Thrifts (H.R. 1066, S. 2487, H.R. 3221) Credit Card Practices (S. 1395, S. 1176, S. 1309, H.R. 2146, H.R. 873, H.R. 1461, H.R. 1510) Basel II Capital proposal Bank overdraft practices (H.R. 946) Bank Secrecy Act (H.R. 323) Electronic Payment Systems, including Interchange Fees (H.R. 5546, S. 3086) Bank Customer Information Security (S. 1260, S. 1178, S. 495, H.R. 958, H.R. 1685, H.R. 948) Treasurys Proposal on Regulatory Restructuring Unfair or Deceptive Acts or Practices authority for Bank Regulators (H.R. 3526) Internet Gambling Regulations Preservation of Preemption Authority Covered Bonds Industrial Loan Companies (The Industrial Bank Holding Company Act of 2008 no bill number) Provisions governing regulation of S&L holding companies Federal Reserve and OTS Proposal on Unfair or Deceptive Practices or Acts and Amendments to Regulation Z and DD (credit card and overdraft practices) Private equity investments in financial institutions

Client expense: $300,000 · 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, Treasury, Dept of

FY 2009 Budget Requests by the Administration; all provisions relating to the U.S. Department of Housing and Urban Development (HUD) and Rural Housing Service (RHS) funding and programs for housing and Treasury proposals related to the Low Income Housing Tax Credit (continued) S.CON.RES.70 - Setting forth the congressional budget for the United States Government for fiscal year 2009 and including the appropriate budgetary levels for fiscal years 2008 and 2010 through 2013: TITLE I, SEC. 104. MAJOR FUNCTIONAL CATEGORIES all provisions related to funding federal affordable multifamily housing programs, especially paragraph (13) Income Security (600), all provisions related to funding project-based Section 8 contracts;TITLE III--BUDGET ENFORCEMENT, SEC. 302. POINT OF ORDER AGAINST ADVANCE APPROPRIATIONS and SEC. 313. POINT OF ORDER AGAINST ADVANCE APPROPRIATIONS, all provisions pertaining to project-based Section 8 funding;. requested a directive to the Appropriations Committee to fully fund the 12 month terms of project-based Section 8 housing assistance payment contracts [not included in legislation]. FY 2009 appropriations for the Department of Transportation and Department of Housing and Urban Development [unnumbered House Committee legislation at reporting period, request to Senate but no legislation at reporting period]; Department of Housing and Urban Development- all funding and administrative provisions related to affordable housing programs (with particular emphasis on full funding of 12 month terms of project-based Section 8 contracts) and fair housing activities to create translations and programs to assist persons with limited English proficiency. H.R. 2642- Supplemental Appropriations Act, 2008. TITLE II, DOMESTIC MATTERS Requested $2.8 billion in emergency supplemental appropriations for the Department of Housing and Urban Development to fully fund the 12 month terms of project-based Section 8 housing assistance payments contracts [not included in bill]. H.R. 1851-Section 8 Voucher Reform Act of 2007: A bill to reform the housing choice voucher program under section 8 of the United States Housing Act of 1937; all provisions. S. 2684 - Section 8 Voucher Reform Act of 2008: A bill to reform the housing choice voucher program under section 8 of the United States Housing Act of 1937; all provisions. S. 2018 - A bill to Allow the Department of Housing and Urban Development to Better Serve Persons with Limited Proficiency in the English Language by Providing Technical Assistance to Recipients of Federal Funds;(owners of HUD-subsidized properties are recipents of federal funds); all provisions. U.S. Department of Housing and Urban Development [Docket No. FR4878N02], Final Guidance to Federal Financial Assistance Recipients Regarding Title VI Prohibition Against National Origin Discrimination Affecting Limited English Proficient Persons, Jan. 22, 2007; all provisions. H.R. 3965 - Mark-to-Market Extension and Enhancement Act of 2007: A bill to extend the Mark-to-Market program of the Department of Housing and Urban Development, and for other purposes; all provisions. H.R. 3221 - The American Housing Rescue and Foreclosure Prevention Act of 2008: A bill to provide needed housing reform; all provisions. H.R. 5720- The Housing Assistance Tax Act of 2008: A bill to amend the Internal Revenue Code of 1986 to provide assistance for housing; all provisions. H.R. 1427- Federal Housing Finance Reform Act of 2007: A bill to reform the regulation of certain housing-related Government-sponsored enterprises, and for other purposes; all provisions. S. 1100-Federal Housing Enterprise Regulatory Reform Act of 2007: A bill to address the regulation of secondary mortgage market enterprises, and for other purposes; all provisons. S. 1078 - Housing America's Workforce Act: A bill to amend the Internal Revenue Code of 1986 to provide incentives for employer-provided employee housing assistance, and for other purposes; all provisions to faciliate rental assistance. H.R. 1850- Housing America's Workforce Act: A bill to amend the Internal Revenue Code of 1986 to provide incentives for employer-provided employee housing assistance, and for other purposes; all provisions to facilitate rental assistance. S. 1318-Affordable Housing Preservation Act of 2007: A bill to amend the Internal Revenue Code of 1986 to provide an incentive to preserve affordable housing in multifamily housing units which are sold or exchanged; all provisions. H.R. 1491- The Affordable Housing Preservation Tax Relief Act of 2007: A bill to amend the Internal Revenue Code of 1986 to provide an incentive to preserve affordable housing in multifamily housing units which are sold or exchanged; all provisions. H.R. 1227- The Gulf Coast Hurricane Housing Recovery Act of 2007: A bill to assist in the provision of affordable housing to low-income families affected by Hurricane Katrina; all provisions. S. 1668 - Gulf Coast Housing Recovery Act of 2007: A bill to assist in providing affordable housing to those affected by the 2005 hurricanes; all provisions. H.R. 173-One Strike and You're Out! Act of 2007: A bill to protect innocent elderly and disabled tenants in public housing and housing assisted under the rental assistance program under section 8 of the United States Housing Act of 1937 from eviction by reason of criminal activity; all provisions. H.R.1966- Fairness for Disabled Students Act of 2007: A bill to fully exempt persons with disabilities from the prohibition against providing section 8 rental assistance to college students; all provisions. H.R. 5818- Neighborhood Stabilization Act of 2008: The act seeks to increase housing options for low and middle-income families and establishes a HUD loan and grant program to help States purchase and rehabilitate vacated and foreclosed homes; all provisions. H.R. 5937- Preserving Certain Affordable Housing Units: The act will allow HUD allow the owners of certain affordable housing developments and HUD to convert two subsidy contracts currently in place (from RAP and Rent Supp contracts to project-based Section 8); all provisions. H.R. 6078- The Green Resources for Energy Efficient Neighborhoods (GREEN) Act of 2008: A bill to improve energy efficiency and enviornmental friendly standards among HUD subsidized properties; all provisions. H.R. 4002- Multi-Family Housing Preservation Act: A bill to establish a program to preserve rural multifamily housing assisted under the Housing Act of 1949; all provisions S. 2666 - The Affordable Housing Investment Act of 2008: A bill to amend the Internal Revenue Code of 1986 to encourage investment in affordable housing, and for other purposes; all provisions H.R. 5490: Section 8 Reform, Responsibility, and Accountability Act: A bill to reform the program for rental assistance under section 8 of the United States Housing Act of 1937, and for other purposes; all provisions H.R. 2895-National Affordable Housing Trust Fund Act of 2007: A bill to establish 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; all provisions. S. 2523-National Affordable Housing Trust Fund Act of 2007: A bill to establish 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; all provisions. H.R. 3524-HOPE VI Improvement and Reauthorization Act of 2008: A bill to reauthorize the HOPE VI program for revitalization of severely distressed public housing, and for other purposes; all provisions. S. 829-HOPE VI Improvement and Reauthorization Act of 2007: A bill to reauthorize the HOPE VI program for revitalization of severely distressed public housing, and for other purposes; all provisions. H.R. 3873-Section 515 Rural Housing Property Transfer Improvement Act of 2007: A bill to expedite the transfer of ownership of rural multifamily housing projects with loans made or insured under section 515 of the Housing Act of 1949 so that such projects are rehabilitated and preserved for use for affordable housing; all provisions. H.R. 1852- Expanding Homeownership Act of 2007: A bill to modernize and update the National Housing Act and enable the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes; Sec. 26 Multifamily Housing Mortgage Limits in High Cost Areas; Sec. 29 Use of FHA Savings for Costs of Mortgage Insurance, Housing Counseling, FHA Technologies, Procedures and Processes and for Affordable Housing Grant Fund, and Study (a)(4) Affodable Housing Fund. S. 2975- The Gulf Coast Multifamily and Assisted Housing Recovery Act: The bill will provide additional funds for affordable housing for low-income seniors, disabled persons, and others who lost their homes because of Hurricanes Katrina and Rita; all provisions. Department of Housing and Urban Development, Independent Public Accountant Roster, Proposed Rule, [Docket No. FR-5054-P-01], RIN 2501-AD20; all provisions Internal Revenue Service Notice 2008-47, Public Comment Invited on Recommendations for 2008-2009 Guidance Priority List; all provisions. Department of the Treasury Internal Revenue Service, Section 42 Utility Allowance Regulations Update, Notice of Proposed Rulemaking and Notice of Public Hearing, [REG-128274-03], RIN 1545-BC22; all provisions. Preliminary draft legislation, Housing Preservation and Tenant Protection Act of 2008; to prevent loss of affordable dwelling units. H.R. 2930 - Section 202 Supportive Housing for the Elderly Act of 2007: A bill to amend section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes; all provisions. S. 2736 - Section 202 Supportive Housing for the Elderly Act of 2008: A bill to amend section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes; all provisions. H.R. 1066- Depository Institution Community Development Investments Enhancement Act: A bill to increase community development investments by depository institutions, and for other purposes; all provisions because it restores banks and thrifts longstanding authority to make direct investments that promote the public welfare, including affordable multifamily housing developments. S. 2487- Depository Institution Community Development Investments Enhancement Act: A bill to increase community development investments by depository institutions, and for other purposes; all provisions because it restores banks and thrifts longstanding authority to make direct investments that promote the public welfare, including affordable multifamily housing developments. Advocated for timely and accurate Operating Cost Adjustment Factors from HUD (inflation factor applied to rents). Advocated for a HUD mechanism to provide timely relief from unforeseen operating cost increases in HUD assisted propoerties. Advocated for a repeal of HUD's policy prohibiting owners of HUD-assisted mixed subsidy properties from using project expenses to pay for Low Income Housing Tax Credit compliance fees mandated by state agencies. Advocated for more timely completions and accurate rents in HUD's mark-up-to-market program. Advocated for improvements in HUD's Real Estate Assessment Center (REAC) physical inspection process. Advocated for preservation of affordable multifamily housing participating in HUD, USDA-RHS programs or financed through Treasury-IRS Low Income Housing Tax Credit or bond programs. All policies and funding related to HUD's Housing Assistance Payment contracts with owners of affordable housing. Advocated for improvements and consitency in HUD's performance-based contract administration program. All policies and funding issues related to managment of affordable multifamily housing subject to HUD, USDA-RHS and Treasury-IRS regulations. Advocated for policies to promote long-term sustainablity and financial solvency of Low Income Housing Tax Credit Properties. Requested that the Department of Agriculture-Rural Housing Service and Internal Revenue Service join the necessary interagency agreements which would allow use of the Enterprise Income Verification income matching system for tenant income verification necessary for RHS and IRS' multifamily housing programs. Requested that the Department of Housing and Urban Development refrain from issuing a final rule requiring affordable property owners to use the Enterprise Income Verification system until system problems are resolved and the Department of Agriculture-Rural Housing Service and Internal Revenue Service have joined the necessary agreements to use the system to ease administration on mixed-subsidy properties. Advocated that the Department of Agriculture-Rural Housing Service proceed with management agent fee increases for managers of multifamily properties assisted under its rental subsidy programs.

Client expense: $166,805 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. H.R.6213: to establish the Reinsurance International Solvency Standards Evaluation Board. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

Client expense: $540,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

H.R. 5244, Truth in Lending, all provisions. S. 2136 Treatment of Primary Mortgages, all provisions. H.R. 2419 Farm Bill Extension Act of 2007, all provisions. H.R. 946 Consumer Overdraft Fair Protection Act, all provisions. H.R. 1908 and S. 1145, Patent Reform Act of 2007, all provisions. H.R. 3915 Consumer Mortgage Practices, all provisions. H.R. 3609 emergency Home Ownership Equity Protections Act of 2007. H.R. 1066 Deposit Institution Community Development Act, all provisions. H.R. 1537 Curia, all provisions. H.R. 698 Industrial Bank Holding Company Act, all provisions. S. 2636 Helping Families Save Their Homes, all provsions. H.R. 5140 Economic Stimulus Bill, housing issues.

Client expense: $69,062 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5244, Truth in Lending, all provisions. S. 2136 Treatment of Primary Mortgages, all provisions. H.R. 2419 Farm Bill Extension Act of 2007, all provisions. H.R. 946 Consumer Overdraft Fair Protection Act, all provisions. H.R. 1908 and S. 1145, Patent Reform Act of 2007, all provisions. H.R. 3915 Consumer Mortgage Practices, all provisions. H.R. 3609 emergency Home Ownership Equity Protections Act of 2007. H.R. 1066 Deposit Institution Community Development Act, all provisions. H.R. 1537 Curia, all provisions. H.R. 698 Industrial Bank Holding Company Act, all provisions. S. 2636 Helping Families Save Their Homes, all provsions. H.R. 5140 Economic Stimulus Bill, housing issues.

Client expense: $69,062 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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). 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 #17. (continued from previous page) Public Company Accounting Oversight Board Office of Federal Housing Enterprise Oversight

Client expense: $80,000 · 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

HR 1066 Public Welfare Investment HR 554 Credit Card Financial Act of 2008 New Market Tax Credits Financial Literacy Regulatory Reform

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R. 3915, "The Mortgage Reform and Anti-Predatory Lending Act of 2007," issues related to the housing market and predatory lending. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform. S. 2338, "FHA Modernization Act of 2007," issues related to FHA modernization. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to FHA and GSE conforming loan limits. S. 2391, "GSE Mission Improvement Act," issues related to government sponsored enterprises. S. 2036, "Protecting Access to Safe Mortgages Act ," issues related to GSE conforming loan limits. H.R. 3777, "Protecting Access to Safe Mortgages Act," issues related to GSE conforming loan limits. H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2487, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. H.R. 3211, "Foreclosure Prevention Act of 2008," issues related to mortgage lending. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending. H.R. 5818, "Neighborhood Stablization Act of 2008," issues related to mortgage lending. H.R. 5579, "Emergency Mortgage Loan Modification Act of 2008," issues related to mortgage lending. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008," issues related to mortgage lending. H.R. 5679, "The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008," issues related to mortgage lending. H.R. 634, "The Federal Housing Finance Regulatory Reform Act of 2008," issues related to mortgage lending. Issues related to the subprime mortgage situation, the Joint Federal Financial Regulatory Agencies' Subprime Statement, issues related to the Joint Federal Financial Regulatory Agencies' Nontraditional Mortgage Guidance, the Federal Reserve's proposed changes to the HOEPA regulations, RESPA, the HOPE NOW Alliance, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, pending legislation to create a new regulator for housing GSEs, issues relating to the preemptive authority of the Office of the Comptroller of the Currency, issues related to the NY Attorney General's Agreement with the GSEs on appraisals.

Client expense: Not reported · Firm income: $380,000

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

HR 1066 Public Welfare Investment New Market Tax Credits Financial Literacy

Client expense: $120,000 · Firm income: Not reported

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposal to limit card payment system interchange fees Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages Proposal to create a financial services risk regulator CURIA (H.R. 1539) Credit Union Regulatory Relief Act (H.R. 5519) Provided background information to lobbyists on credit cards

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposal to limit card payment system interchange fees Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages Proposal to create a financial services risk regulator CURIA (H.R. 1539) Credit Union Regulatory Relief Act (H.R. 5519) Provided background information to lobbyists on credit cards

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

Client expense: $870,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

S 1395 "Stop Unfair Credit Card Practices" and HR 2146 "Universal Default Prohibition Act" - address concerns and educate Members and staff on credit card pricing and marketing practices; HR 5546 "Credit Card Fair Fee Act" - educate Members and staff on the role of interchange in the electronic payments network; HR 3915 "Mortgage Reform and Anti-Predatory Lending Act" and HR 2452 "Home Ownership Preservation and Protection Act" - protect homebuyers from predatory lending practices and support legislation providing for federal preemption of state laws; HR 1066 "Depository Institution Community Development Investments Enhancement Act" and S 2487 "Public Welfare Investments" - relate to the Community Reinvestment Act; HR 948 "Social Security Number Protection Act" and HR 3046 "Social Security Number Privacy and Identity Theft Protection Act" - legislation to restrict the commercial use of Social Security numbers; S 473 "Combatting Money Laundering and Terrorist Financing Act" - improve the prohibitions on money laundering, and for other purposes; HR 946 "Conumer Overdraft Protection Fair Practices Act" - educate Members and staff on legislation to increase regulation of overdraft protection programs; Educate administration and Members on industry response to crisis in mortgage lending including loan modification; Discuss mortgage and housing rescue proposal to allow FHA to guarantee "underwater" mortgages that have been discounted by the original lender.

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

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposal to limit card payment system interchange fees Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages Proposal to create a financial services risk regulator CURIA (H.R. 1539) Credit Union Regulatory Relief Act (H.R. 5519) Provided background information to lobbyists on credit cards

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R. 3915, "The Mortgage Reform and Anti-Predatory Lending Act of 2007," issues related to the housing market and predatory lending. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform. S. 2338, "FHA Modernization Act of 2007," issues related to FHA modernization. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to FHA and GSE conforming loan limits. S. 2391, "GSE Mission Improvement Act," issues related to government sponsored enterprises. S. 2036, "Protecting Access to Safe Mortgages Act ," issues related to GSE conforming loan limits. H.R. 3777, "Protecting Access to Safe Mortgages Act," issues related to GSE conforming loan limits. H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2487, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. H.R. 3211, "Foreclosure Prevention Act of 2008," issues related to mortgage lending. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending Issues related to the subprime mortgage situation, the Joint Federal Financial Regulatory Agencies' Subprime Statement, issues related to the Joint Federal Financial Regulatory Agencies' Nontraditional Mortgage Guidance, the Federal Reserve's proposed changes to the HOEPA regulations, RESPA, the HOPE NOW Alliance, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, pending legislation to create a new regulator for housing GSEs, issues relating to the preemptive authority of the Office of the Comptroller of the Currency.

Client expense: Not reported · Firm income: $500,000

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

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); (continued) 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); 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); 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); Privacy bills (H.R.3056); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, S.2136). 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. #17. (continued from previous page) Public Company Accounting Oversight Board

Client expense: $110,000 · 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

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

Client expense: $870,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

Regulatory Relief regarding federal thrifts Public Welfare Investments for Thrifts (H.R. 1066, S. 2487) Credit Card Practices (S. 1395, S. 1176, S. 1309, H.R. 2146, H.R. 873, H.R. 1461, H.R. 1510) Basel II Capital proposal Bank overdraft practices (H.R. 946) Bank Secrecy Act (H.R. 323) Electronic Payment Systems, including Interchange Fees (H.R. 5546) Bank Customer Information Security (S. 1260, S. 1178, S. 495, H.R. 958, H.R. 1685, H.R. 948) Treasurys Proposal on Regulatory Restructuring Unfair or Deceptive Acts or Practices authority for Bank Regulators (H.R. 3526 and OTS proposal) Internet Gambling Regulations Preservation of Preemption Authority Covered Bonds Industrial Loan Companies (The Industrial Bank Holding Company Act of 2008 no bill number) -- Provisions governing regulation of S&L holding companies

Client expense: $270,000 · Firm income: Not reported

H.R. 5244, Truth in Lending Act, all provisions. S. 2136 Treatment of Primary Mortgages in Bancuptcy, all provisions. H.R. 2419 Farm Bill Extension Act of 2007, all provisions. H.R. 946 Consumer Overdraft Fair Protection Act, all provisions. H.R. 1908 and S. 1145, Patent Reform Act of 2007, all provisions. H.R. 3915, Consumer Mortgage Practices, all provisions. H.R. 3609, Emergency Home Ownership Equity Protections Act of 2007. H.R. 1066, Depository Institution Community Development Act, all provisions. H.R. 1537, CURIA, all provisons. H.R. 698, Industrial Bank Holding Company Act, all provisions. S. 2636, Helping Families Save Their Homes Act, all provisions. H.R. 5140, Economic Stimulus Bill, housing issues.

Client expense: $20,098 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5244, Truth in Lending Act, all provisions. S. 2136 Treatment of Primary Mortgages in Bancuptcy, all provisions. H.R. 2419 Farm Bill Extension Act of 2007, all provisions. H.R. 946 Consumer Overdraft Fair Protection Act, all provisions. H.R. 1908 and S. 1145, Patent Reform Act of 2007, all provisions. H.R. 3915, Consumer Mortgage Practices, all provisions. H.R. 3609, Emergency Home Ownership Equity Protections Act of 2007. H.R. 1066, Depository Institution Community Development Act, all provisions. H.R. 1537, CURIA, all provisons. H.R. 698, Industrial Bank Holding Company Act, all provisions. S. 2636, Helping Families Save Their Homes Act, all provisions. H.R. 5140, Economic Stimulus Bill, housing issues.

Client expense: $20,098 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Budget of the United States Government, Fiscal Year 2009; all provisions relating to the U.S. Department of Housing and Urban Development (HUD) and U.S. Department of Agriculture-Rural Housing Service (RHS) funding and administration of affordable multifamily housing and rental assistance programs and Treasury-Internal Revenue Service proposals related to the Low Income Housing Tax Credit and bond-financed multifamily housing programs (continued) H.CON.RES.312 -Revising the congressional budget for the United States Government for fiscal year 2008, establishing the congressional budget for the United States Government for fiscal year 2009, and setting forth appropriate budgetary levels for fiscal years 2010 through 2013: Title I, SEC. 102. MAJOR FUNCTIONAL CATEGORIES, all provisions related to funding federal affordable multifamily housing programs, especially paragraph (13) Income Security (600), all provisions related to funding project-based Section 8 contracts; TITLE III, SEC. 309. DEFICIT-NEUTRAL RESERVE FUND FOR AFFORDABLE HOUSING all provisions to provide for an affordable housing fund, offset by reforming government-sponsored enterprises; TITLE IV, SEC. 403. POINT OF ORDER AGAINST ADVANCE APPROPRIATIONS, all provisions pertaining to project-based Section 8; also requested a directive to the Appropriations Committee to fully fund the 12 month terms of project-based Section 8 housing assistance payment contracts. "Views and Estimates of the Committee on Financial Services on Matters to be Set Forth in the Concurrent Resolution on the Budget for Fiscal Year 2009" Committee Print - Housing and Community Opportunity - all provisions related to project-based Section 8 funding and administration. S.CON.RES.70 - An original concurrent resolution setting forth the congressional budget for the United States Government for fiscal year 2009 and including the appropriate budgetary levels for fiscal years 2008 and 2010 through 2013: TITLE I, SEC. 104. MAJOR FUNCTIONAL CATEGORIES all provisions related to funding federal affordable multifamily housing programs, especially paragraph (13) Income Security (600), all provisions related to funding project-based Section 8 contracts; TITLE II, Subtitle B, SEC. 211, paragraph.(e) Supplemental Appropriations for Fiscal Year 2008, all provisions to provide supplemental appropriations for project-based Section 8 contracts; SEC. 212. POINT OF ORDER AGAINST ADVANCE APPROPRIATIONS, all provisions pertaining to project-based Section 8; TITLE III, SEC. 301. DEFICIT-NEUTRAL RESERVE FUND TO STRENGTHEN AND STIMULATE THE AMERICAN ECONOMY AND PROVIDE ECONOMIC RELIEF TO AMERICAN FAMILIES, paragraph.(c) Housing all provisions to provide housing assistance, which may include low income rental assistance, or establish an affordable housing fund financed by the housing government sponsored enterprises or other sources; requested a directive to the Appropriations Committee to fully fund the 12 month terms of project-based Section 8 housing assistance payment contracts. S. 131-Mark-to-Market Extension Act of 2007: to extend for 5 years the Mark-to-Market program of the Department of Housing and Urban Development; all provisions. H.R. 647-Mark-to-Market Extension Act of 2007: A bill to extend for 5 years the Mark-to-Market program of the Department of Housing and Urban Development; all provisions. H.R. 3965 - Mark-to-Market Extension and Enhancement Act of 2007: A bill to extend the Mark-to-Market program of the Department of Housing and Urban Development, and for other purposes; all provisions, special emphasis on Sec.9 CORRECTING HARM CAUSED BY LATE SUBSIDY PAYMENTS [of the introduced bill]. H.R. 127-FHA Multifamily Loan Limit Adjustment Act of 2007: A bill to amend the National Housing Act to increase the mortgage amount limits applicable to FHA mortgage insurance for multifamily housing located in high-cost areas; all provisions. H.R. 44-Stabilizing Affordable Housing for the Future Act: A bill to preserve affordable housing opportunities for low-income families, and for other purposes; all provisions. H.R. 201-Housing Opportunities Made Easier Act: A bill to authorize 150,000 incremental vouchers for tenant-based rental assistance under section 8 of the United States Housing Act of 1937 to help meet the housing needs of low-income families; all provisions. H.R. 202-Housing Authority Funding Fairness Act of 2007: A bill to authorize the renewal of tenant-based rental assistance vouchers under section 8 of the United States Housing Act of 1937; all provisions. H.R. 655-Pathway to Preservation Act of 2007: A bill to provide for more accurate valuation of multifamily housing properties, and loans for such properties, that are sold at a discount by the Department of Housing and Urban Development to facilitate acquisition of such properties that maintains the properties as affordable housing; all provisions. H.R. 1427- Federal Housing Finance Reform Act of 2007: A bill to reform the regulation of certain housing-related Government-sponsored enterprises, and for other purposes; all provisions. S. 1100-Federal Housing Enterprise Regulatory Reform Act of 2007: A bill to address the regulation of secondary mortgage market enterprises, and for other purposes; all provisons, also requested inclusion of an affordable housing fund. H.R. 173-One Strike and You're Out! Act of 2007: A bill to protect innocent elderly and disabled tenants in public housing and housing assisted under the rental assistance program under section 8 of the United States Housing Act of 1937 from eviction by reason of criminal activity; all provisions. H.R.1966- Fairness for Disabled Students Act of 2007: A bill to fully exempt persons with disabilities from the prohibition against providing section 8 rental assistance to college students; all provisions. S. 584 -Community Restoration and Revitalization Act of 2007: A bill to amend the Internal Revenue Code of 1986 to modify the rehabilitation credit and the low-income housing credit; SEC. 2. MODIFICATIONS TO RULES FOR DETERMINING THE APPLICABLE PERCENTAGE FOR CERTAIN BUILDINGS ELIGIBLE FOR LOW-INCOME HOUSING CREDIT, all provisions related to the Low Income Housing Tax Credit program. H.R. 1043-Community Restoration and Revitalization Act of 2007: A bill to amend the Internal Revenue Code of 1986 to modify the rehabilitation credit and the low-income housing credit; SEC. 2. MODIFICATIONS TO RULES FOR DETERMINING THE APPLICABLE PERCENTAGE FOR CERTAIN BUILDINGS ELIGIBLE FOR LOW-INCOME HOUSING CREDIT, all provisions related to the Low Income Housing Tax Credit program. S. 1318-Affordable Housing Preservation Act of 2007: A bill to amend the Internal Revenue Code of 1986 to provide an incentive to preserve affordable housing in multifamily housing units which are sold or exchanged; all provisions. H.R. 1491- The Affordable Housing Preservation Tax Relief Act of 2007: A bill to amend the Internal Revenue Code of 1986 to provide an incentive to preserve affordable housing in multifamily housing units which are sold or exchanged; all provisions. S. 1078 - Housing America's Workforce Act: A bill to amend the Internal Revenue Code of 1986 to provide incentives for employer-provided employee housing assistance, and for other purposes; all provisions to faciliate rental assistance. H.R. 1850- Housing America's Workforce Act: A bill to amend the Internal Revenue Code of 1986 to provide incentives for employer-provided employee housing assistance, and for other purposes; all provisions to facilitate rental assistance. H.R. 1227- The Gulf Coast Hurricane Housing Recovery Act of 2007: A bill to assist in the provision of affordable housing to low-income families affected by Hurricane Katrina; all provisions. S. 1668 - Gulf Coast Housing Recovery Act of 2007: A bill to assist in providing affordable housing to those affected by the 2005 hurricanes; all provisions. H.R. 2895-National Affordable Housing Trust Fund Act of 2007: A bill to establish 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; all provisions. S. 2523-National Affordable Housing Trust Fund Act of 2007: A bill to establish 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; all provisions. H.R. 2930 - Section 202 Supportive Housing for the Elderly Act of 2007: A bill to amend section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes; all provisions. S. 2736 - Section 202 Supportive Housing for the Elderly Act of 2008: A bill to amend section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes; all provisions. H.R. 3524-HOPE VI Improvement and Reauthorization Act of 2008: A bill to reauthorize the HOPE VI program for revitalization of severely distressed public housing, and for other purposes; all provisions. H.AMDT.923 to HR 3524 HOPE VI Improvement and Reauthorization Act of 2008 [Amendment (A001) offered by Ms. Waters]: An amendment to make a number of technical and conforming changes as well as enhancements to the bill, including the following: (1) redefines the scope of the 1 for 1 replacement requirement by requiring the replacement of all units in existence as of January 1, 2005, and provides a limited waiver from the replacement requirement; (2) extends the timeline for rebuilding replacement housing units to 54 months from the date of execution of the grant agreement, consistent with current HUD practice; (3) clarifies procedural requirements for making any significant amendments or changes to a revitalization plan; (4) removes specific references to LEED for non-residential construction and excludes costs associated with green development compliance from HUD's Total Development Cost calculation; (5) clarifies eligibility and occupancy standards; and (6) clarifies that no person not lawfully permitted to be in, or remain in, the United States is eligible for housing assistance under this bill; all provisions. H.AMDT.927 to HR 3524 HOPE VI Improvement and Reauthorization Act of 2008 [Amendment (A005) offered by Ms. Lee]: An amendment to safeguard the rights of tenants of HOPE VI housing from eviction based on the criminal activities of others if the tenant is elderly or disabled, and did not or should not have known of the activity, or if they were the victims of a criminal act; all provisions. H.AMDT.929 to HR 3524 HOPE VI Improvement and Reauthorization Act of 2008 [Amendment (A007) offered by Mrs. Capito]: An amendment sought to substitute the green building requirement, which is part of the mandatory core component of the underlying bill, with a provision that includes green building as part of the mandatory graded section. It also strikes references in the bill to specific green building standards and instead requires the Secretary of HUD to select a rating system, standard, or code for green buildings. This standard shall meet certain criteria and the Secretary shall conduct a study every 5 years to evaluate and compare third party green building standards to see if they meet the criteria; all provisions. S. 829-HOPE VI Improvement and Reauthorization Act of 2007: A bill to reauthorize the HOPE VI program for revitalization of severely distressed public housing, and for other purposes; all provisions. H.R. 1851-Section 8 Voucher Reform Act of 2007: A bill to reform the housing choice voucher program under section 8 of the United States Housing Act of 1937; all provisions. S. 2684 - Section 8 Voucher Reform Act of 2008: A bill to reform the housing choice voucher program under section 8 of the United States Housing Act of 1937; all provisions. S. 2018 - A bill to Allow the Department of Housing and Urban Development to Better Serve Persons with Limited Proficiency in the English Language by Providing Technical Assistance to Recipients of Federal Funds;(owners of HUD-subsidized properties are recipents of federal funds); all provisions. U.S. Department of Housing and Urban Development [Docket No. FR4878N02], Final Guidance to Federal Financial Assistance Recipients Regarding Title VI Prohibition Against National Origin Discrimination Affecting Limited English Proficient Persons, Jan. 22, 2007; all provisions. H.R. 1980-Housing Assistance Council Authorization Act of 2007: A bill to authorize appropriations for the Housing Assistance Council; all provisions. S. 2666 - The Affordable Housing Investment Act of 2008: A bill to amend the Internal Revenue Code of 1986 to encourage investment in affordable housing, and for other purposes; all provisions H.R. 5490: Section 8 Reform, Responsibility, and Accountability Act: A bill to reform the program for rental assistance under section 8 of the United States Housing Act of 1937, and for other purposes; all provisions H.R. 3873-Section 515 Rural Housing Property Transfer Improvement Act of 2007: A bill to expedite the transfer of ownership of rural multifamily housing projects with loans made or insured under section 515 of the Housing Act of 1949 so that such projects are rehabilitated and preserved for use for affordable housing; all provisions. H.R. 1852- Expanding Homeownership Act of 2007: A bill to modernize and update the National Housing Act and enable the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes; all provisions. H.R.5140 - Economic Stimulus Act of 2008: To provide economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits; TITLE II--HOUSING GSE AND FHA LOAN LIMITS or TITLE III, Sec. 301 Emergency designation, requested adding a provision providing $1.96 billion in emergency supplemental appropriations to fund project-based Section 8 contracts (requested but not introduced). H.R. 1682-Flood Insurance Reform and Modernization Act of 2007: A bill to restore the financial solvency of the national flood insurance program, and for other purposes; all provisions because some affordable multifamily properties need flood insurance.. H.R. 3121-Flood Insurance Reform and Modernization Act of 2007: A bill to restore the financial solvency of the national flood insurance program and to provide for such program to make available multiperil coverage for damage resulting from windstorms and floods, and for other purposes; all provisions because some affordable multifamily properties need flood insurance. H.R. 1066- Depository Institution Community Development Investments Enhancement Act: A bill to increase community development investments by depository institutions, and for other purposes; all provisions because it restores banks and thrifts longstanding authority to make direct investments that promote the public welfare, including affordable multifamily housing developments. S. 2487- Depository Institution Community Development Investments Enhancement Act: A bill to increase community development investments by depository institutions, and for other purposes; all provisions because it restores banks and thrifts longstanding authority to make direct investments that promote the public welfare, including affordable multifamily housing developments. Department of the Treasury Internal Revenue Service, Section 42 Utility Allowance Regulations Update, Notice of Proposed Rulemaking and Notice of Public Hearing, [REG-128274-03], RIN 1545-BC22; all provisions. HUD Handbook 4350.3: Occupancy Requirements of Subsidized Multifamily Housing Programs REV-1, Change 2; Chapter 2, paragraph 2-33.C, all provisions related to fair housing reasonable accomodations. Preliminary draft legislation to improve coordination of the Low Income Housing Tax Credit program with other affordable multifamily housing programs. Preliminary draft legislation to preserve affordable multifamily housing. Requested $2.8 billion in either emergency supplemental appropriations, advanced appropriations or some combination thereof, to fully fund the 12 month increments for project-based Section 8 contracts (neither the FY 08 supplemental appropriaitons bill nor the FY 09 Transportation-Housing and Urban Developement bill introduced during reporting period). Sent a letter to HUD regarding their policy prohibiting assisted property owners on using project expenses for consultants to advice owners on HUD (Real Estate Assessment Center) REAC inspections and policies. Sent a letter to HUD regarding State of Mississippis request to divert $600 million of its disaster CDBG funds from housing recovery to an expansion of the Port of Gulfport. Advocated for timely and accurate Operating Cost Adjustment Factors from HUD (inflation factor applied to rents). Advocated for a HUD mechanism to provide timely relief from unforeseen operating cost increases in HUD assisted propoerties. Advocated for a repeal of HUD's policy prohibiting owners of HUD-assisted mixed subsidy properties from using project expenses to pay for Low Income Housing Tax Credit compliance fees mandated by state agencies. Advocated for more timely completions and accurate rents in HUD's mark-up-to-market program. Advocated for improvements in HUD's Real Estate Assessment Center (REAC) physical inspection process Advocated for preservation of affordable multifamily housing participating in HUD, USDA-RHS programs or financed through Treasury-IRS Low Income Housing Tax Credit or bond programs. All policies and funding related to HUD's Housing Assistance Payment contracts with owners of affordable housing Advocated for improvements and consitency in HUD's performance-based contract administration program. All policies and funding issues related to managment of affordable multifamily housing subject to HUD, USDA-RHS and Treasury-IRS regulations. Advocated for policies to promote long-term sustainablity and financial solvency of Low Income Housing Tax Credit Properties

Client expense: $84,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Regulatory Relief re: federal thrifts Public Welfare Investments for Thrifts (H.R. 1066, S. 2487) Credit Card Practices (S. 1395, S. 1176, S. 1309, H.R. 2146, H.R. 873, H.R. 1461, H.R. 1510) Basel II Capital Proposal

Client expense: $620,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), 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

HR 41 Business Checking Fairness Act of 2007 HR 946 Overdraft Protection Fair Practices Act HR 1066 Depository Institution Community Development Investments Enhancements Act HR 5 College Student Relief Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Optional Federal Charter, H.R. 3200, the National Insurance Act of 2007, S. 40, the National Insurance Act of 2007, Terrorism Insurance Reauthorization, H.R. 2761, the Terrorism Risk Insurance Revision and Extension Act of 2007, Flood Insurance, H.R. 1682, the Flood Insurance Reform and Modernization Act of 2007, H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007, Deposit Insurance, H.R. 1066 the Depository Institution Community Development Investments Enhancement Act

Client expense: $3,220,000 · 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 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 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), UNDETERMINED, White House Office

Credit card/interchanges fees and practices, S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; Deposit Insurance Reform, H.R. 1066, the Depository Institution Community Development Investments Enhancement Act; CFIUS, H.R. 556, the National Security Foreign Investment Reform and Strengthened Transparency Act of 2007; GSE Reform, H.R. 1427; Federal Housing Finance Reform Act of 2007; S. 1100, Federal Housing Finance Reform Act; Student Loans, H.R. 890, the Student Loan

Client expense: $3,220,000 · 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 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 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), UNDETERMINED, White House Office

H.R. 2895 National Affordable Housing Trust Fund Act of 2007 NETWORK work supports passage of this bill and the necessary funding mechanisms H.R. 1066 & S. 2487 Depository Institution Community Development Investments Enhancement Act NETWORK supports passage of these bills

Client expense: $90,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE

Predatory Lending Reform (protect home buyers from predatory lending practices and support legislation providing for federal preemption of state predatory lending laws); HR 1066 "Depository Institution Community Development Investments Enhancement Act"; Data / Security / Privacy (educate as to implications of proposed legislation dealing with data security and consumer notification); Credit Cards Payments Processing (educate on the role of interchange in the electronic payments network); S 473 "Combating Money Laundering and Terrorist Financing Act" (improve the prohibitions on money laundering); HR 698 "Industrial Bank Holding Company Act" (amend the FDIA to establish industrial bank holding company regulation). S 1395 "Stop Unfair Credit Card Practices" and HR 2146 "Universal Default Prohibition Act" (address concerns and educate members of Congress on credit card pricing and marketing practices);

Client expense: $2,300,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Council on Environmental Quality (CEQ), Executive Office of the President (EOP), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Security Council (NSC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 413 - Community Choice in Real Estate Act S. 473 - Combating Money Laundering and Terrorist Financing Act of 2007 S. 789 - Government Credit Card Abuse Prevention Act of 2007 S. 1012 - Consumer Rental-Purchase Agreement Act of 2007 S. 1176 - Credit Card Minimum Payment Warning Act of 2007 S. 1299 - Borrower's Protection Act of 2007 S. 1395 - Stop Unfair Practices in Credit Cards Act of 2007 S. 1401 - Student Financial Aid Data Privacy Protection Act S. 1530 - Rent-To-Own Reform Act of 2007 S. 1733 - Housing Fairness Act of 2007 S. 1831 - Private Student Loan Disclosure Enhancement Act of 2007 H.R. 41 - Business Checking Fairness Act of 2007 H.R. 111 - Community Choice in Real Estate Act H.R. 531 - Retirement Security Education Act of 2007 H.R. 698 - Industrial Bank Holding Company Act of 2007 H.R. 873 - Credit Card Payment Fee Act of 2007 H.R. 946 - Consumer Overdraft Protection Fair Practices Act H.R. 958 - Data Accountability and Trust Act H.R. 1066 - Depository Institution Community Development Investments Enhancement Act H.R. 1117 - REAL ID Repeal and Identification Security Enhancement Act of 2007 H.R. 1170 - Comprehensive Awareness of Problem Gambling Act of 2007 H.R. 1257 - Shareholder Vote on Executive Compensation Act H.R. 1289 - Community Reinvestment Modernization Act of 2007 H.R. 1395 - Government Credit Card Abuse Prevention Act of 2007 H.R. 1427 - Federal Housing Finance Reform Act of 2007 H.R. 1510 - Credit Card Repayment Act of 2007 H.R. 1598 - Servicemembers Credit Protection Act H.R. 1750 - a bill to amend the Servicemembers Civil Relief Act to extend from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure under that Act. H.R. 1767 - Consumer Rental Purchase Agreement Act H.R. 1776 - Call Center Consumer's Right to Know Act H.R. 1967 - Financial Privacy Notice Relief Act of 2007 H.R. 2046 - Internet Gambling Regulation and Enforcement Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act H.R. 2096 - Freedom to Bank Act H.R. 2440 - FinCEN Reauthorization Act of 2007 H.R. 2568 - Credit Agencies Identity Theft Responsibilities Act of 2007 H.R. 2607 - Internet Gambling Regulation and Tax Enforcement Act of 2007 H.R. 2871 - Payday Loan Reform Act of 2007 H.R. 2885 - Credit Monitoring Clarification Act H.R. 2895 - National Affordable Housing Trust Fund Act of 2007 H.R. 2911 - Electronic Funds Transfer Equal Consumer Protection Act H.R. 2973 - a bill to amend the Truth in Lending Act to require a store in which a consumer may apply to open a credit or charge card account to display a sign, at each location where the application may be made, containing the same information required by such Act to be prominently placed in a tabular format on the application. H.R. 2974 - Innocent Check Depositor Protection Act H.R. 3012 - Fair Mortgage Practices Act of 2007 H.R. 3081 - Fairness for Homeowners Act of 2007 H.R. 3113 - Affordable Financial Services Enhancement Act H.R. 3200 - National Insurance Act of 2007 S. 40 - National Insurance Act of 2007 See Addendum.

Client expense: $2,660,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 41 - Business Checking Fairness Act of 2007 H.R. 111 - Community Choice in Real Estate Act H.R. 531 - Retirement Security Education Act of 2007 H.R. 698 - Industrial Bank Holding Company Act of 2007 H.R. 873 - Credit Card Payment Fee Act of 2007 H.R. 946 - Consumer Overdraft Protection Fair Practices Act H.R. 958 - Data Accountability and Trust Act H.R. 1066 - Depository Institution Community Development Investments Enhancement Act H.R. 1117 - REAL ID Repeal and Identification Security Enhancement Act of 2007 H.R. 1170 - Comprehensive Awareness of Problem Gambling Act of 2007 H.R. 1257 - Shareholder Vote on Executive Compensation Act H.R. 1289 - Community Reinvestment Modernization Act of 2007 H.R. 1395 - Government Credit Card Abuse Prevention Act of 2007 H.R. 1427 - Federal Housing Finance Reform Act of 2007 H.R. 1510 - Credit Card Repayment Act of 2007 H.R. 1598 - Servicemembers Credit Protection Act H.R. 1750 - a bill to amend the Servicemembers Civil Relief Act to extend from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure under that Act. H.R. 1767 - Consumer Rental Purchase Agreement Act H.R. 1776 - Call Center Consumer's Right to Know Act H.R. 1967 - Financial Privacy Notice Relief Act of 2007 H.R. 2046 - Internet Gambling Regulation and Enforcement Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act H.R. 2096 - Freedom to Bank Act H.R. 2440 - FinCEN Reauthorization Act of 2007 H.R. 2568 - Credit Agencies Identity Theft Responsibilities Act of 2007 H.R. 2607 - Internet Gambling Regulation and Tax Enforcement Act of 2007 H.R. 2871 - Payday Loan Reform Act of 2007 H.R. 2885 - Credit Monitoring Clarification Act H.R. 2895 - National Affordable Housing Trust Fund Act of 2007 H.R. 2911 - Electronic Funds Transfer Equal Consumer Protection Act H.R. 2973 - a bill to amend the Truth in Lending Act to require a store in which a consumer may apply to open a credit or charge card account to display a sign, at each location where the application may be made, containing the same information required by such Act to be prominently placed in a tabular format on the application. H.R. 2974 - Innocent Check Depositor Protection Act H.R. 3012 - Fair Mortgage Practices Act of 2007 H.R. 3081 - Fairness for Homeowners Act of 2007 H.R. 3113 - Affordable Financial Services Enhancement Act H.R. 3200 - National Insurance Act of 2007 S. 40 - National Insurance Act of 2007 S. 413 - Community Choice in Real Estate Act S. 473 - Combating Money Laundering and Terrorist Financing Act of 2007 S. 789 - Government Credit Card Abuse Prevention Act of 2007 S. 1012 - Consumer Rental-Purchase Agreement Act of 2007 S. 1176 - Credit Card Minimum Payment Warning Act of 2007 S. 1299 - Borrower's Protection Act of 2007 S. 1395 - Stop Unfair Practices in Credit Cards Act of 2007 S. 1401 - Student Financial Aid Data Privacy Protection Act S. 1530 - Rent-To-Own Reform Act of 2007 S. 1733 - Housing Fairness Act of 2007 S. 1831 - Private Student Loan Disclosure Enhancement Act of 2007 See Addendum.

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

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Bank overdraft practices (H.R. 946) Bank Secrecy Act Electronic Payment Systems, including Interchange Fees Bank Customer Information Security (S. 1260, S. 1178, S. 495, H.R. 958, H.R. 1685, H.R. 948) Deposit Insurance Reform Implementation Depository Institution Community Development Investments Enhancement Act (H.R. 1066) Regulatory Relief re: federal thrifts Subprime and Anti-Predatory Lending Credit Card Practices (S. 1395, S. 1176, S. 1309, H.R. 2146, H.R. 873, H.R. 1461, H.R. 1510) Basel II Capital proposal

Client expense: $360,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Communications Commission (FCC), 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, Treasury, Dept of

17a.Office of Federal Housing Enterprise Oversight 17a.Office of the Comptroller of the Currency 17a. Office of Thrift Supervision 17a. Federal Deposit Insurance Corporation 17a. Federal Reserve System 17a. Federal Trade Commission 17a. General Accountability Office 17a. Securities and Exchange Commission H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to mortgage lending S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments. H.R. 958, "Data Accountability and Trust Act," issues related to data security S. 495, "Personal Data Privacy and Security Act of 2007," issues related to data security S. 1178, "Identity Theft Prevention Act," issues related to data security Issues related to the Joint Federal Financial Regulatory Agencies' Subprime Statement, issues related to the Joint Federal Financial Regulatory Agencies' Nontraditional Mortgage Guidance, RESPA, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, pending legislation to create a new regulator for housing GSEs, OFHEO's Strategic Plan, issues relating to the preemptive authority of the Office of the Comptroller of the Currency. H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform.

Client expense: Not reported · Firm income: $620,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), President of the U.S., SENATE, Treasury, Dept of

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007. (all provisions) S. 413, Community Choice in Real Estate Act. (all provisions) S. 869, the Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneurs Act of 2007. (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007. (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act. (all provisions) S. 1299, Borrower’s Protection Act of 2007. (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 – To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts. S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007. (all provisions) H.R. 2, the Small Business and Work Opportunity Act of 2007. (Statement for the record) H.R. 41, the Business Checking Fairness Act of 2007. (all provisions) H.R. 111, the Community Choice in Real Estate Act. (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 – To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers. (all provisions) H.R. 890, the Student Loan Sunshine Act. (all provisions) HR 946, the Consumer Overdraft Protection Fair Practices Act – To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions. H.R. 1066, the Depository Institution Community Development Investments Enhancement Act. (all provisions) H.R. 1314, the Photo Identification Security Act. (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007. (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act. (all provisions) H.R. 1508, the Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneurs Act of 2007. (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007. (all provisions) H.R. 1515, to amend the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program. (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007. (all provisions) H.R. 1849, the Credit Union Small Business Lending Act. (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 – To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts. Proposals to address anticipated mortgage foreclosures. Proposals to address predatory lending practices in the subprime mortgage market. Private Student Loan Transparency and Improvement Act. (draft proposal) Statement for the record on credit cards, before the Senate Banking Committee. Statement for the record on credit cards and the payment card industry, before the House Financial Services Committee. Statement for the record on the effectiveness of disaster lending by the Small Business Administration in the aftermath of the Hurricanes Katrina, before the House Small Business Committee. Statement for the record on the Suspicious Activity Report process and Bank Secrecy Act compliance requirements, before the House Financial Services Committee.

Client expense: $2,640,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 873 Credit Card Payment Fee Act HR 3893 Interchange HR 556 Foreign Investment and National Security Act of 2007 HR 323 Seasoned Customer CTR Exemption Act of 2007 HR 1289 Community Reinvestment Modernization Act HR 1461 Consumer Credit Protection Act HR 1510 The Credit Card Repayment Act of 2007 S 1176 The Credit Card Minimum Payment Warning Act HR 837 SAFETY Act HR 890 Student Loan Sunshine Act S 1395 Minimum Payment Disclosure Legislation HR 1869 Regulatory Relief for Consumer Banks HR 2669 College Cost Reduction Act of 2007 HR 41 Business Checking Fairness Act of 2007 HR 946 Overdraft Protection Fair Practices Act HR 1066 Depository Institution Community Development Investments Enhancement Act HR 5 College Student Relief Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1550: To reduce the reporting and certification burdens for certain financial institutions of sections 302 and 404 of the Sarbanes-Oxley Act of 2002. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements. H.R.515: To establish a commission on corporate entitlement reform.

Client expense: $895,459 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE