Community Choice in Real Estate Act

Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number. RESPA Reform: H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 (Sections Pertaining to Real Estate Settlement) Consulation with HUD, OMB, and House of Representatives Regarding GFEs and HUD-1 Standards Money Laundering: Disscusion with Treasury Regarding Potential Regulation of Financial Action Task Force (FATF) Guideliness Government Purchase of Troubled Mortgage Assets: H.R. 3997 - Emergency Economic Stabilization Act of 2008 H.R. 1424 - Emergency Economic Stabilization Act of 2008

Client expense: $6,520,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA), White House Office

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

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

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

Banks in Real Estate; RESPA HR 111/S 413 Community Choice in Real Estate Act; S 2338 FHA Modernization Act of 2007 S 3260 Financial Services and General Government Appropriations Act, 2009

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

RESPA; Banks in Real Estate HR 111/S 413 Community Choice in Real Estate Act S 2338 FHA Modernization Act of 2007 S 3260 Financial Services and General Government Appropriations Act, 2009

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

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

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

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

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 1424 - the "Emergency Economic and Stabalization Act of 2008" included a $700 billion rescue plan to restart the flow of capital in the marketplace. H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. C.A.R. sent a comment letter to the California Congressional delegates concerning the need for an economic stimulus package that included: An extension of the GSE and FHA loan limits at their current 2008 levels, removing the payback requirement for the $7,500 first-time homebuyer tax credit and allowing buyers to utilize these funds at the time of home purchase at no additional cost, preserving the ability for creditworthy homebuyers to receive seller-funded downpayment assistance, and preventing unscrupulous foreclosure consultants from preying upon uninformed and vulnerable homeowners. Additionally, lenders participating in the Troubled Assets Relief Program (TARP) should be required to extend credit down to Main Street (making credit more available to consumers and small businesses), expedite the process for short sales, and expedite the resolution of banks real estate owned (REO) properties. C.A.R. is also lobbying on the idea of having either Congress or the Treasury Department instiute a plan where they would create a federal mortgage interest buy-down program to bring down interest rate spreads to historical averages and reduce mortgage interest rates since the spread between mortgage rates and Treasury rates are abnormally high. C.A.R. lobbied on the issue of putting the GSE's (Fannie Mae and Freddie Mac) into convervatorship and what their future should be. In addition, C.A.R. lobbied on the issues of the loan limits for GSE's and FHA in both their size, scope, and duration.

Client expense: $30,000 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 698 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. H.R. 1424 - the "Emergency Economic and Stabalization Act of 2008" included a $700 billion rescue plan to restart the flow of capital in the marketplace. H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. Regulation Z - The Federal Reserve published their final rule amending Regulation Z (Truth in Lending). The intent of the new rule is to curb abusive lending practices that helped lead to the current foreclosure and financial crisis. The new rule will create a new category of loans known as higher-priced mortgage loans. Loans that fall into this category will have new protections that include: prohibiting a lender from making a loan without regard to borrowers' ability to repay the loan requiring creditors to verify the income and assets, banning any prepayment penalty if the payment can change in the initial four years, requiring creditors to establish escrow accounts for property taxes and homeowner's insurance. There are also new rules that will impact all loans securitized by a consumers principal residence. They are: creditors and mortgage brokers are prohibited from coercing a real estate appraiser to misstate a home's value, companies that service mortgage loans are prohibited from engaging in certain practices, creditors must provide a good faith estimate of the loan costs, including a schedule of payments, within three days after a consumer applies for any mortgage loan secured by a consumer's principal dwelling. Comment letter was sent to the Securities Industry and Financial Markets Association (SIFMA) which was also copied to members of Congress. The comment letter concerned allowing all loans eligible for purchase by Fannie Mae and Freddie to be pooled together in the To-Be-Announced (TBA) market.

Client expense: $30,000 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of

RESPA; Banks in Real Estate HR 111/S 413 Community Choice in Real Estate Act S 2338 FHA Modernization Act of 2007 S 3260 Financial Services and General Government Appropriations Act, 2009

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), SENATE

Banks in Real Estate; RESPA HR 111/S 413 Community Choice in Real Estate Act; S 2338 FHA Modernization Act of 2007 S 3260 Financial Services and General Government Appropriations Act, 2009 Client Monument Construction Issue

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), SENATE

Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number. RESPA Reform: H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 (Sections Pertaining to Real Estate Settlement) Consulation with HUD, OMB, and House of Representatives Regarding GFEs and HUD-1 Standards Mortgage Licensing: H.R. 3221 -- Foreclosure Prevention Act of 2008. Provisions pertaining to licensing standards for mortgage brokers. Money Laundering: Disscusion with Treasury Regarding Potential Regulation of Financial Action Task Force (FATF) Guideliness Government Purchase of Troubled Mortgage Assets: H.R. 3997 - Emergency Economic Stabilization Act of 2008 H.R. 1424 - Emergency Economic Stabilization Act of 2008

Client expense: $3,820,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Natl Park Service (NPS), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA), 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) 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

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

Client expense: $714,540 · Firm income: Not reported

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

See Next Page For Listing S. 3527, Veterans Health Care Reform Act of 2008, all provisions H.R. 6939, To Amend Title 38, US Code, to provide two fiscal years budget authority for certain medical care accounts of the Department of Veterans Affairs, and for other purposes, all provisions S. 3406/H.R. 3195, ADA Amendments Act of 2008, all provisions S. 3001, National Defense Auth. Act of 2009, all provisions H.R. 111, Establishing a Select Committee on POW/MIA Affairs, all provisions H.R. 6287, Veterans Travel Equity Act of 2008, all provisions H.R. 6331, Medicare Improvements for patients and providers act of 2008, all provisions

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

Government targets: Defense, Dept of (DOD), HOUSE OF REPRESENTATIVES, SENATE

RESPA Banks in Real Estate HR 111/S 413 Community Choice in Real Estate Act S 2338 FHA Modernization Act of 2007

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

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

Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number. RESPA Reform: H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 (Sections Pertaining to Real Estate Settlement) Consulation with HUD, OMB, and House of Representatives Regarding GFEs and HUD-1 Standards Mortgage Licensing: H.R. 3221 -- Foreclosure Prevention Act of 2008. Provisions pertaining to licensing standards for mortgage brokers. Money Laundering: Disscusion with FinCen Regarding Potential Regulation of Financial Action Task Force (FATF) Guideliness

Client expense: $3,740,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405) S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board

Client expense: $600,870 · Firm income: Not reported

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

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1256, Small Business Lending Reauthorization and Improvement Act S 1260, The Data Security Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 HR 5767, Payments System Protection Act of 2008 (Internet Gambling) S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Appraisal Policy for Housing GSEs Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Homeland Security and Critical Infrastructure Protection Payments Systems Internet Gambling Prohibition

Client expense: $1,240,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, 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, Small Business Administration (SBA), Treasury, Dept of

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 698 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. Comment letter sent to OFHEO concerning their agreement with Freddie Mac, Fannie Mae, and the Attorney Generals's Office of New York concerning appriasal standards. C.A.R. beleives that this agreement sidestepped the proper and legal routes for the GSEs to enact new rules and has one state drafting federal changes.

Client expense: $30,000 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), 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,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

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

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

Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.

Client expense: $3,140,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)

RESPA Banks in Real Estate H.R.111/S.413 Community Choice in Real Estate Act S 2338 FHA Modernization Act of 2007

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

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

HR 698 Industrial Bank Holding Company Act of 2007 regarding preventing commerical entities from entering banking business; HR 873 Credit Card Payment Fee Act of 2007 regarding prohibition on charging fees for different payment channels; HR 946 Consumer Overdraft Protection Fair Practices Act regarding restricting assessment of overlimit/overdraft bank fees HR 958 Data Accountability and Trust Act regarding additional regulations on banks different from GLBA requirements; HR 1461 Credit Card Accountability and Disclosure Act of 2007 involving prohibition for banks ability to issue student credit cards, et al.; HR 1510 Credit Card Repayment Act of 2007 involving additional disclosure requirements on payoff time periods; HR 2146 Universal Default Prohibition Act of 2007 regarding prohibition of risk based credit card practices; S 239 Notification of Risk to Personal Data Act of 2007 regarding additional regulations different from GLBA requirements; S 1178 Identity Theft Prevention Act of 2007 regarding additional requirements on data breach notification; S 1176 Credit Card Minimum Payment Warning Act of 2007 involving additional disclosures on pay off balances; S 1260 Data Security Act of 2007 regarding regulations different from GLBA requirements; S 1395 Government Credit Card Abuse Prevention Act regarding limitation on banks to price products based on risk, Credit Card Bill of Rights Act of 2007 (Maloney marker); Issues related to federal preemptive protection of national bank powers; S 495 Personal Data Privacy and Security Act of 2007 regarding different regulation different from GLBA; HR 111 Bank Holding Company Act supporting national banks engagement in real estate brokerage/management activities; HR 323 Cash Transaction Reporting Requirements involving exempting seasoned customers from CTR requirements; HR 698, Federal Deposit Insurance Act Amendment supporting baning new commericially owned ILCs and limiting activities; S 1356 Industrial Bank Holding Company Act of 2007; HR 3316 involving bank's commitment and involvement with Community Reinvestment Act programs; HR 3526 To include all banking agencies within the existing regulatory authority under the FTC Act with respect to depository insitutions and for other purposes; HR 1443 Consumer Fairness Finance Act of 2007 preventing prohibition of arbitration clauses in banking consumer products; Issues related to Federal Reserve Regulation Z Amendments; S 1726 Business Activity Tax Simplification Act of 2007 supported prohibiting states from taxing non-resident companies; S 1309 Universal Default Prohibition Act of 2007 regarding prohibition of risk based pricing on consumer products; Legislative activity related to "interchange payments" educating members on use and purpose of interchange.

Client expense: $1,110,000 · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 3316, Identity Theft Protection Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 2527, FDIC Enforcement Enhancement Act HR 3121, Flood Insurance Reform and Modernization Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 1685, The Data Security Act of 2007 HR 958, The Data Accountability and Trust Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 HR 1510, Credit Card Repayment Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1256, Small Business Lending Reauthorization and Improvement Act S 1260, The Data Security Act of 2007 S 495, The Personal Data Privacy and Security Act of 2007 S1178, The Identity Theft Prevention Act of 2007 S 1176, Credit Card Minimum Payment Warning Act of 2007 S 1309, Universal Default Prohibition Act of 2007 S 1395, Stop Unfair Practices in Credit Cards Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1762, Higher Education Access S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act Bank Secrecy Act and Anti-Money Laundering Issues Consumer Data Security Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Critical Infrastructure Protection and Homeland Security Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Military Consumer Lending Rules Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs

Client expense: $820,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, 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, Small Business Administration (SBA), 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

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions

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

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 698 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company.

Client expense: $30,000 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Banks in Real Estate RESPA HR 111 S 413, S 2338

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, UNDETERMINED

Bank Secrecy Act and Anti-Money Laundering Issues Consumer Data Security Corporate Governance Requirements Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Critical Infrastructure Protection and Homeland Security Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Military Consumer Lending Rules Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending HR 1852, Expanding American Homeownership Act of 2007 HR 2527, FDIC Enforcement Enhancement Act HR 3121, Flood Insurance Reform and Modernization Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 1508, Compete Act HR 1685, The Data Security Act of 2007 HR 958, The Data Accountability and Trust Act of 2007 HR 3316, Identity Theft Protection Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 HR 1510, Credit Card Repayment Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 2046, Internet Gambling Regulation and enforcement Act HR 23610, Skill Game Protection Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act S 1256, Small Business Lending Reauthorization and Improvement Act S 869, Compete Act S 1260, The Data Security Act of 2007 S 495, The Personal Data Privacy and Security Act of 2007 S1178, The Identity Theft Prevention Act of 2007 S 1176, Credit Card Minimum Payment Warning Act of 2007 S 1309, Universal Default Prohibition Act of 2007 S 1395, Stop Unfair Practices in Credit Cards Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1762, Higher Education Access S 1299, Borrower’s Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Homes Act S 413, Community Choice in Real Estate Act S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 3316, Identity Theft Protection Act of 2007

Client expense: $2,460,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537); (continued)

Client expense: $60,000 · 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

Hearing on tax exempt status Bankruptcy Bill H.R. 890: Student Loan Sunshine Act H.R. 41: The Business Checking Fairness Act of 2007 H.R .1869/S.1405: Communities First Act H.R.958: Data Accountability and Trust Act S.1178: Identity Theft Protection Act S.1260: Data Security Act H.R. 111/S.4131: The Community Choice in Real Estate Act H.R.946: Consumer Overdraft Protection Practices Act H.R.3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R.1427: Federal Housing Finance Reform Act S.1100 H.R.1852: Expanding American Homeownership Act S.2338: Federal Housing Administration Modernization Act Financial Services Regulatory Relief Issues H.R.1289: Community Reinvestment Modernization Act H.R.323: Seasoned Customer CTR Exemption Act of 2007 H.R.3609: Emergency Homeownership and Mortgage Equity Protection Act S.2136: Helping Families save their Homes in Bankruptcy Act H.R.1537: Credit Union Regulatory Improvements Act of 2007 H.R.5140: to provide economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. Pensions

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

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

HR 111 - Realtors' bill, would premanently prohibit national banks and bank holding companies from providing real estate brokerage and property managment services S 413 - Realtors' bill, would permanently prohibit national banks and bank holding companies from providing real estate brokerage and property management services

Client expense: $125,841 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1386 - Homeownership Protection and Enhancement Act of 2007 – NP S. 1299 - Borrower's Protection Act of 2007 – NP S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse, and Underdevelopment Act – NP H.R. 3012 -Fair Mortgage Practices Act of 2007 – NP H.R.3355 Homeowners' Defense Act of 2007 (Introduced in House) NP Consumer Data Security-NP Regulatory Relief- FOR Risk-based capital requirements for banks- NP Sarbane-Oxley Act relief for community banks - FOR Corporate governance requirements- NP Relief from securities law requirements for small companies- FOR Federal Home Loan Bank advances and collateral- NP Federal Home Loan Bank System issues - NP Separation of Banking and Commerce - FOR Payments System Issues - FOR Bank Secrecy Act and anti-money laundering issues - NP Credit Card/Debit Card Interchange Fees- NP ILC Applications by Commercial Companies - Against Regulation of Industrial Loan Corporation Holding Companies- FOR Subprime Lending -NP Overdraft Protection Programs- NP FDIC Small Dollar loan pilot program -NP Predatory Lending Issues - NP Deposit Concentration Cap- FOR Military Consumer Lending Rules -NP HR 3316 Identity Theft Protection Act of 2007 - NP HR 1852, Expanding American Homeownership Act of 2007 For HR 2547, FDIC Enforcement Enhancement Act For HR 1980, Housing Assistance Council Authorization Act of 2007 HR 1982, Rural Housing and Economic Development Act of 2007 HR 2139, FHA Manufactured Housing Loan Modernization Act of 2007 HR 1851, Section 8 Voucher Reform Act of 2007 HR 3121, Flood Insurance Reform and Modernization Act of 200 HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 For HR 920, Multiple Peril Insurance Act of 2007 HR 2419, Farm Bill Extension Act of 2007 Against HR 1969, Communities First Act For HR 1537, Credit Union Regulatory Improvement Act of 2007 Against HR 1332, Small Business Lending Improvements Act of 2007 For HR 1849, Credit Union Small Business Lending Act NP HR 111, Community Choice in Real Estate Act Against HR 1508, Compete Act For HR 323, Seasoned Customer CTR Exemption Act of 2007 For S 1256, Small Business Lending Reauthorization and Improvement Act For S 1405, Communities First Act For S 1356, Industrial Bank Holding Company Act of 2007 For S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 Against S 413, Community Choice in Real Estate Act Against S 869, Compete Act For H.R. 2149 To provide for a study by the National Academy of Sciences to identify the proper response of the United States to the growth of Internet gambling. NP H.R. 2607 Internet Gambling Regulation and Tax Enforcement Act of 2007 NP H.R. 2646 Internet Gambling Regulation and Enforcement Act of 2007 NP H.R. 2206 U.S. Troop Readiness, Veterans' Care, Katrina Recovery, and Iraq Accountability Appropriations Act, 2007 (Enrolled as Agreed to or Passed by Both House and Senate) FOR H.R. 1967 Financial Privacy Notice Relief Act of 2007 FOR H.R. 1049 Amend Misinterpreted Excessive Regulation In Corporate America Act NP H.R. 1550 Regulatory Relief and Fairness Act FOR S. 1153 Small Business Regulatory Review Act of 2007 FOR H.R. 2727 Small Business SOX Compliance Extension Act FOR H.R. 1780 Small Business Securities Protection Act NP HR 1685, The Data Security Act of 2007 – NP HR 958, The Data Accountability and Trust Act of 2007– Against S 1260, The Data Security Act of 2007 – FOR S 495, The Personal Data Privacy and Security Act of 2007 -- Against S 1178, The Identity Theft Prevention Act of 2007 -- Against HR 873, Credit Card Payment Fee Act of 2007 -- NP HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 -- NP HR 1510, Credit Card Repayment Act of 2007 -- NP HR 2146, Universal Default Prohibition Act of 2007 -- NP S 1176, Credit Card Minimum Payment Warning Act of 2007 -- NP S 1309, Universal Default Prohibition Act of 2007 -- NP S 1395, Stop Unfair Practices in Credit Cards Act of 2007 - NP HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 – Against HR 890, Student Loan Sunshine Act -- NP S 486, Student Loan Sunshine Act -- NP S 1762, Higher Education Access Act of 2007 -- NP S. 947 - 21st Century Housing Act – NP HR 1227, Gulf Coast hurricane Housing Recovery Act of 2007 For HR 1257, Shareholder Vote on Executive Compensation Act NP HR 1427, Federal Housing Finance Reform Act of 2007 For HR 698, Industrial Bank Holding Company Act of 2007 For

Client expense: $968,985 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

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

HR 1461 Credit Card Accountability and Disclosure Act of 2007 involving prohibition for banks ability to issue student credit cards, et al; HR 1510 Credit Card Repayment Act of 2007 involving additional disclosure requirements on payoff time periods; HR 2146 Universal Default Prohibition Act of 2007 regarding prohibition of risk based credit card practices; S 239 Notification of Risk to Personal Data Act of 2007 regarding additional regulations different from GLBA requirements; S 1178 Identity Theft Prevention Act of 2007 regarding additional requirements on data breach notification; S 1176 Credit Card Minimum Payment Warning Act of 2007 involving additional disclosures on pay off balances; S 1260 Data Security Act of 2007 regarding regulations different from GLBA requirements; S 1395 Government Credit Card Abuse Prevention Act regarding limitation on banks to price products based on risk; Issues related to federal preemptive protection of national bank powers; S 495 Personal Data Privacy and Security Act of 2007 regarding different regulation different from GLBA; HR 111 Bank Holding Company Act supporting national banks engagement in real estate brokerage/management activities; HR 323 Cash Transaction Reporting Requirements involving exempting seasoned customers from CTR requirements; HR 698 Federal Deposit Insurance Act Amendment supporting baning new commericially owned ILCs and limiting activities; HR 1443 Consumer Fairness Finance Act of 2007 preventing prohibition of arbitration clauses in banking consumer products; Issues related to Federal Reserve Regulation Z Amendments; S 1726 Business Activity Tax Simplification Act of 2007 supported prohibiting states from taxing non-resident companies; S 1309 Universal Default Prohibition Act of 2007 regarding prohibition of risk based pricing on consumer products; Legislative activity related to "interchange payments" educating members on use and purpose of interchange. HR 698 Industrial Bank Holding Company Act of 2007 regarding preventing commerical entities from entering banking business; HR 873 Credit Card Payment Fee Act of 2007 regarding prohibition on charging fees for different payment channels; HR 946 Consumer Overdraft Protection Fair Practices Act regarding restricting assessment of overlimit bank fees; HR 958 Data Accountability and Trust Act regarding additional regulations on banks different from GLBA requirements;

Client expense: $1,360,000 · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE

HR 2124, S 1558- Federal Agency Data Breach Protection Act S 495- Personal Data Protection Act of 2007 HR 958- Data Accountability and Trust Act S. 1178- Identity Theft Protection Act (all provisions) HR 3316 Identity Theft Protection Act (all provisions) HR 1289- Community Reinvestment Modernization Act (all provisions) HR. 111, S. 413- Community Choice in Real Estate Act (all provisions) HR. 1257, S. 1181- Shareholder Vote on Executive Compensation Act of 2007 (executive compensation provisions) HR 11685, S 1260- Data Security Act of 2007

Client expense: $3,129,166 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

• H.R. 1537, Credit Union Regulatory Improvements Act • S. 1642, Higher Education Amendments of 2007 • H.R. 2669, Higher Education Access Act of 2007 • H.R. 890, Student Loan Sunshine Act • H.R. 41, The Business Checking Fairness Act of 2007 • H.R. 1869 and S. 1405, Communities First Act • H.R. 958, Data Accountability and Trust Act • S. 1178, Identity Theft Protection Act • S. 1260, Data Security Act • H.R. 111 and S. 4131, The Community Choice in Real Estate Act Please see addendum.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Terrorism Risk Insurance Act extension (H.R.2761); 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); 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); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869); FHA Reform (H.R.1852); The Farm Bill (H.R.2419). 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. 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)

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, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 111/S. 98 Community Choice in Real Estate Act, S. 621 Depreciation for Leasehold Improvements

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.

Client expense: $6,300,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Education, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Office of Natl Drug Control Policy (NDCP), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA)