Community Reinvestment Modernization Act of 2007

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. 2183 - Commonsense Consumption Act of 2007 - All provisions; S. 1323 - Commonsense Consumption Act of 2007 - All provisions; S. 2041 - False Claims Act Correction Act of 2007 - All provisions; S. 2449 - Sunshine in Litigation Act of 2007 - All provisions; S. 2663 - CPSC Reform Act - All provisions; H.R. 4040 - Consumer Product Safety Modernization Act - All provisions H.R. 1289 - Community Reinvestment Modernization Act of 2007 - All provisions

Client expense: $630,000 · Firm income: Not reported

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

H.R. 1289 Community Reinvestment Modernization Act of 2007 (all provisions)

Client expense: $250,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Regulation of Insurance: HR 3200; S 40; HR 5611. National Flood Insurance Program: HR 3121; S 1890; S 2047; S 2284 (Senator Landrieu's proposal to create ombudsman for the NFIP). Natural Catastrophe: Hr 3355; HR 3644; S 292; S 2286; S 2310. Community Reinvestment: HR 1289. Credit Scoring: HR 5633.

Client expense: $1,280,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparency and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act HR 6076: Home Retention and Economic Stabilization Act of 2008 HR 6254: Temporary FHA Direct Endorsement Lender Participation Act of 2008 HR 1424: Emergency Economic Stabilization Act of 2008 HConRes 391: Recognizing the disparities that are associated with predatory lending abuses in minority communities and expressing the sense of the Congress that as new abuses continue to emerge, such laws should ensure that all those responsible for representing and protecting families have the authority to act to address these new problems HR 6312: Credit Union, Bank, and Thrift Regulatory Relief Act of 2008

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

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

HR91, HR330, HR920, HR921, HR922, HR957, HR1049, HR1065, HR1289, HR1682, HR2549, HR2638, HR2761, HR3121, HR3200, HR3926, HR3959, HR4050, HR4299, HR4461, HR 4721, HR5611, HR5633, HR5792, HR5840, HR5961, HR6062, HR6078, HR6213, HR6285, HR6308, HR6755, S40, S396, S1061, S1890, S1938, S2029, S2040, S2151, S2251, S2284, S2285, S2458, S2499, S2621

Client expense: $433,208 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Patent & Trademark Office (PTO), SENATE, Treasury, Dept of

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

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

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

S 292--Commission on Catastrophic Disaster Risk and Insurance Act of 2007, all provisions; HR 537--Commission on Catastrophic Disaster Risk and Insurance Act of 2007, all provisions; S 545--Passenger Vehicle Loss Disclosure Act, all provisions; HR 1081--Insurance Industry Competition Act of 2007, all provisions; S 618--Insurance Industry Competition Act of 2007, all provisions; S 1061--Homeowners' Insurance Noncoverage Disclosure Act, all provisions; S 40--National Insurance Act of 2007, all provisions; HR 1289--Community Reinvestment Modernization Act of 2007, all provisions; HR 3200--National Insurance Act of 2007, all provisions; S 2621--Terrorism Risk Insurance Improvement Act of 2008, all provisions; HR 5840--Insurance Information Act of 2008, all provisions; HR 5611--National Association of Registered Agents and Brokers Reform Act of 2008, all provisions; HR 6062--Personal Lines of Insurance Fairness Act of 2008, all provisions; HR 5792--Increasing Insurance Coverage Options for Consumers Act of 2008, all provisions related to amendments of the Risk Retention Act.

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

H.R. 1289 Community Reinvestment Modernization Act of 2007 (all provisions)

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

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Tracked entire bills of the following as they pertain to federal credit unions: H.R. 1289, the Community Reinvestment Modernization Act of 2007 H.R. 1537, the Credit Union Regulatory Improvements Act of 2007 H.R. 3113, the Affordable Financial Services Enhancement Act H.R. 1849, the Credit Union Small Business Lending Act H.R. 5519, Credit Union Regulatory Relief Act of 2008 H.R. 5841, Bank and Thrift Regulatory Relief Act of 2008 H.R. 5546, Credit Card Fair Fee Act of 2008 H.R. 2638, the Department of Homeland Security Appropriations Act, 2008 (CR) H.R. 1424, the Paul Wellstone Mental Health and Addiction Equity Act of 2007 H.R. 3997, the Heroes Earnings Assistance and Relief Tax Act of 2007 Monitoring and tracking issues concerning Federal Credit Unions membership and executive compensation

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

Government targets: HOUSE OF REPRESENTATIVES, 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) 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)

HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act H.R.6076-Home Retention and Economic Stabilization Act of 2008 HR 6254 -Temporary FHA Direct Endorsement Lender Participation Act of 2008

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

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

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

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

S. 1078, H.R. 1850, Housing Americas Workforce Act, entire bill S. 829, HOPE VI Improvement and Reauthorization Act of 2007, entire bill H.R. 2536, HOPE VI Green Building and Technical Assistance Act of 2007, entire bill H.R. 3524, HOPE VI Improvement and Reauthorization Act of 2008, entire bill H.R. 1427, Federal Housing Finance Reform Act of 2007, entire bill S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007, entire bill H.R. 1259, High-Performance Buildings Act of 2007, entire bill H.R. 1851, S. 2684, Section 8 Voucher Reform Act of 2007, entire bill S.593, Services for Ending Long-Term Homelessness Act, entire bill H.R. 840, Homeless Emergency Assistance and Rapid Transition to Housing Act (HEARTH) of 2007, entire bill S. 1518, Community Partnership to End Homelessness Act (CPEHA), entire bill H.R. 2895, S. 2523, National Affordable Housing Trust Fund Act of 2007, entire bill S. 2062, Native American Housing Assistance and Self-Determination Reauthorization Act of 2007, entire bill H.R. 44, Stabilizing Affordable Housing for the Future Act, entire bill H.R. 1982, Rural Housing and Economic Development Improvement Act of 2007, entire bill H.R. 2930, S. 2736, Section 202 Supportive Housing for the Elderly Act of 2007, entire bill H.R. 647, H.R. 3965, Mark-to-Market Extension and Enhancement Act of 2007, entire bill H.R. 1852, S. 2338, FHA Modernization Act of 2007, entire bill H.R. 1289, Community Reinvestment Modernization Act of 2007", entire bill H.R. 3873, Section 515 Rural Housing Property Transfer Improvement Act of 2007, entire bill H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, entire bill H.R. 4002, Rural Housing Preservation Act of 2007, entire bill S. 2391, GSE Mission Improvement Act, entire bill S. 2452, Home Ownership Preservation and Protection Act of 2007, entire bill S. 2636, The Foreclosure Prevention Act of 2008, entire bill H.R. 5818, Neighborhood Stabilization Act of 2008, entire bill H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act of 2008, entire bill H.R. 3221, Housing and Economic Recovery Act of 2008 (previously, the New Direction for Energy Independence, National Security, and Consumer Protection Act and American Housing Rescue and Foreclosure Prevention Act of 2008), entire bill H.R. 5772, Frank Melville Supportive Housing Investment Act of 2008, entire bill H.R. 6078, Green Resources for Energy Efficient Neighborhoods Act of 2008", entire bill

Client expense: $125,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1427 Federal Housing Reform Act of 2007. All Provisions. GSE Reform. H.R.44 Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R.526 Supporting home ownership and responsible lending. All Provisions. Supports home ownership and responsible lending. S. 2736 Section 202 Supportive Housing for the Elderly Act of 2008. All Provisions. Amends section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes. H.R.4735. Tenant Protection in Foreclosure Act of 2007. All Provisions. Amends the Truth in Lending Act to protect tenants' interests in foreclosure proceedings. S.2595 S.A.F.E. Mortgage Licensing Act of 2008. All Provisions. Creates a national licensing system for residential mortgage loan originators, to develop minimum standards of conduct to be enforced by State regulators, and for other purposes. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. H.R.1289, Community Reinvestment Modernization Act of 2007. All provisions. Enhances the availability of capital and credit for all citizens and communities. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. S.2036, Protecting Access to Safe Mortgages Act. All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act (Consumer Fairness Act). All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation ofloan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases 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. S.2201, Home Ownership Mortgage Emergency Act. All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases 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. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to celiain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section I. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R.5153 Conforming Loan Limit Temporary Adjustment Act of 2008. All Provisions. To increase temporarily the conforming loan limits of Fannie Mae & Freddie Mac in certain areas, enhance mortgage market liquidity. H.R.5500. Foreclosure Credit Forgiveness Act of 2008. All Provisions. Amends the Fair Credit Reporting Act to provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score. S.2523, National Affordable Housing Trust Fund Act of 2007. All Provisions. Seeks to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and expands the coverage of the appraisal requirements. H.R.3557, Restore American Dream Act of 2007. All Provisions. The establishment of, and the deduction of contributions to, homeownership plans. H.R.3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act. H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act. All provisions. Modifies certain mortgages on principal residences. H.R.3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Seeks partisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R.3705, Fair Disclosure for Homeowners Act of 2007 . All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.3740, ASPIRE Act. All Provisions. Provides every newborn with a $500 Savings Account for education/retirement purposes. H.R.3777, Protecting Access to Safe Mortgages Act. All provisions. Temporarily raisees confOlming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that variesfrom terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgages,loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All provisions. Reforms consumer mortgage practices and provides accountability for such practices, establishes licensing and registration requirements for residential mortgage originators, provides certain minimum standards for consumer mortgage loans. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the patt of holders of residential mortgage loans. S.2399, Financial Education and Counseling Assistance Act of 2007. All provisions.Seeks to expancd and improve housing counseling services by increasing financial education and counseling services available to homeowners and prospective homebuyers in financial turmoil or who seek credit or other personal financial assistance, and for other purposes. S.2490, Reverse Mortgage Proceeds Protection Act. All Provisions. Seeks to prohibit authorized lenders of home equity conversion mortgages from requiring seniors to purchase an annuity with the proceeds of a reverse mortgage, and to provide other consumer protections to reverse mortgage borrowers.

Client expense: $1,204,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), 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

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. 292--Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R. 537--Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S. 929--Nonadmitted and Reinsurance Reform Act of 2007 H.R. 5840--Insurance Reform Act of 2008 S. 545--Passenger Vehicle Loss Disclosure Act H.R. 1081--Insurance Industry Competition Act of 2007 S. 618--Insurance Industry Competition Act of 2007 S. 1061--Homeowners' Insurance Noncoverage Disclosure Act S. 40--National Insurance Act of 2007 H.R. 1289--Community Reinvestment Modernization Act of 2007 H.R. 3200--National Insurance Act of 2007 S. 2621--Terrorism Risk Insurance Improvement Act of 2008 H.R. 5611--National Association of Registered Agents and Brokers Reform Act of 2008 H.R. 5792--Increasing Insurance Coverage Options for Consumers Act of 2008

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

Government targets: Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Patent & Trademark Office (PTO), SENATE

H.R. 2183 - Commonsense Consumption Act of 2007 - All provisions; S. 1323 - Commonsense Consumption Act of 2007 - All provisions; S. 2041 - False Claims Act Correction Act of 2007 - All provisions; S. 2449 - Sunshine in Litigation Act of 2007 - All provisions; S. 2663 - CPSC Reform Act - All provisions; H.R. 4040 - Consumer Product Safety Modernization Act - All provisions H.R. 1289 - Community Reinvestment Modernization Act of 2007 - All provisions H.R. 2830 - A bill to authorize appropriations for the Coast Guard for fiscal year 2008, and for other purposes - All provisions H.R. 6285 - A bill to amend the National Flood Insurance Act of 1968 to provide for adequate progress on the construction of a flood protection system to include the appropriation of at least 60 percent of the system cost from Federal, State or local funds - All provisions

Client expense: $710,000 · Firm income: Not reported

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

HR 1289 Community Reinvestment Modernization Act; opposed to this bill, costs of compliance with detailed reporting requirements

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

H.R. 1537, Credit Union Regulatory Improvements Act, all provisions; H.R. 41, Business Checking Fairness Act of 2007, all provisions; H.R. 946, Consumer Overdraft Protection Practices Act; 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 Homeownership Act, all provisions; S. 2338, FHA Modernization Act; 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. 5140, Economic Stimulus Act of 2008, Title II; H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions; H.R. 6312 CUBTRRA, Title I, Title II (sections 202, 204), Title III, Title IV (section 405); S. 2957 CURIA, all provisions; S. 3086, Credit Card Fair Fee Act, all provisions.

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

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

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

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

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

H.R. 1289 Community Reinvestment Modernization Act of 2007 (all provisions)

Client expense: $390,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

Tracked entire bills of the following as they pertain to federal credit unions: H.R. 1289, the Community Reinvestment Modernization Act of 2007 H.R. 1537, the Credit Union Regulatory Improvements Act of 2007 H.R. 3113, the Affordable Financial Services Enhancement Act H.R. 1849, the Credit Union Small Business Lending Act H.R. 5519, Credit Union Regulatory Relief Act of 2008 H.R. 5841, Bank and Thrift Regulatory Relief Act of 2008 H.R. 5546, Credit Card Fair Fee Act of 2008 Monitoring and tracking issues concerning Federal Credit Unions membership and executive compensation

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Tracked entire bills of the following as they pertain to federal credit unions: H.R. 1289, the Community Reinvestment Modernization Act of 2007 H.R. 1537, the Credit Union Regulatory Improvements Act of 2007 H.R. 3113, the Affordable Financial Services Enhancement Act H.R. 1849, the Credit Union Small Business Lending Act

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

HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act

Client expense: $180,000 · Firm income: Not reported

S. 1642, Higher Education Amendments of 2007. H.R. 4137, The College Opportunity and Affordability Act of 2007. H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act. H.R. 890, Student Loan Sunshine Act of 2007. H.R. 946, Consumer Overdraft Protection Fair Practices Act. H.R. 1289, Community Reinvestment Modernization Act of 2007. H.R. 2840, National Financial Literarcy Act of 2007. S. 2847, Emergency Student Loan Market Liquidity Act of 2008. H.R. 5723, Emergency Student Loan Market Liquidity Act. S. 2815, the Strengthening Student Loans Act. H.R. 5715, Ensuring Continued Access to Student Loans Act of 2008. H.R. 1777, Need-Based Edcuational Aid Act of 2007. S. 2733, Higher Education Extension Act of 2008. H.R. 2669, College Cost Reduction Act of 2007. S. 1762, Higher Education Access Act of 2007. Student lending issues. Financial institution concentration issues.

Client expense: $260,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

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

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

S. 1078, H.R. 1850, Housing Americas Workforce Act, entire bill S. 829, HOPE VI Improvement and Reauthorization Act of 2007, entire bill H.R. 2536, HOPE VI Green Building and Technical Assistance Act of 2007, entire bill H.R. 3524, HOPE VI Improvement and Reauthorization Act of 2008, entire bill H.R. 1427, Federal Housing Finance Reform Act of 2007, entire bill. H.R. 1259, High-Performance Buildings Act of 2007, entire bill. H.R. 1851, Section 8 Voucher Reform Act of 2007, entire bill. S.593, Services for Ending Long-Term Homelessness Act, entire bill. S. 1518, Community Partnership to End Homelessness Act (CPEHA), entire bill. H.R. 2895, S. 2523, National Affordable Housing Trust Fund Act of 2007, entire bill. S. 2062, Native American Housing Assistance and Self-Determination Reauthorization Act of 2007, entire bill. H.R. 44, Stabilizing Affordable Housing for the Future Act, entire bill. H.R. 1982, Rural Housing and Economic Development Improvement Act of 2007, entire bill. H.R. 2930, Section 202 Supportive Housing for the Elderly Act of 2007, entire bill. H.R. 647, Mark-to-Market Extension and Enhancement Act of 2007, entire bill. H.R. 1852, S. 2338, FHA Modernization Act of 2007, entire bill. H.R. 1289, Community Reinvestment Modernization Act of 2007, entire bill. H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, entire bill. S. 2391, GSE Mission Improvement Act, entire bill. S. 2452, Home Ownership Preservation and Protection Act of 2007, entire bill. S. 2636, The Foreclosure Prevention Act of 2008, entire bill. H.R. 5818, Neighborhood Stabilization Act of 2008, entire bill. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008", entire bill. H.R. 3221, To provide needed housing reform and for other purposes (previously, the New Direction for Energy Independence, National Security, and Consumer Protection Act), entire bill.

Client expense: $125,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1642, Higher Education Amendments of 2007. H.R. 4137, The College Opportunity and Affordability Act of 2007. H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act. H.R. 890, Student Loan Sunshine Act of 2007. H.R. 946, Consumer Overdraft Protection Fair Practices Act. Student lending issues. Financial institution concentration issues. H.R. 1289, Community Reinvestment Modernization Act of 2007. H.R. 2840, National Financial Literacy Act of 2007. S. 2847, the "Emergency Student Loan Market Liquidity Act of 2008." H.R. 5723, Emergency Student Loan Market Liquidity Act." S. 2815, the Strengthening Student Loans Act. H.R. 5715, "Ensuring Continued Access to Student Loans Act of 2008." H.R. 1777, Need-Based Educational Aid Act of 2007." S. 2733, "Higher Education Extension Act of 2008."

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

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

H.R.1537: Credit Union Regulatory Improvements Act of 2007 H.R 2046: Internet Gambling Negotiation and Enforcement H.R. 5519: Credit Union Regulatory Relief Act H.R.3609: Emergency Homeownership and Mortgage Equity Protection Act Financial Services Regulatory Relief Issues H.R.1289: Community Reinvestment Modernization Act

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

Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - S. 292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - H.R. 537 Passenger Vehicle Loss Disclosure Act - S. 545 Insurance Industry Competition Act of 2007 - H.R. 1081 Insurance Industry Competition Act of 2007 - S. 618 Homeowners' Insurance Noncoverage Disclosure Act - S. 1061 National Insurance Act of 2007 - S. 40 Community Reinvestment Modernization Act of 2007 - H.R. 1289 Terrorism Risk Insurance Revision and Extension Act of 2007 - H.R. 2761 National Insurance Act of 2007 - H.R. 3200 Terrorism Risk Insurance Improvement Act of 2008 - S. 2621

Client expense: $350,000 · Firm income: Not reported

H.R. 1289 Community Reinvestment Modernization Act of 2007 (all provisions)

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

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

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

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

H.R. 5153 Conforming Loan Limit Temporary Adjustment Act of 2008. All Provisions. To increase temporarily the conforming loan limits of Fannie Mae & Freddie Mac in certain areas, enhance mortgage market liquidity. H.R. 5500. Foreclosure Credit Forgiveness Act of 2008. All Provisions. Amends the Fair Credit Reporting Act to provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score H.R. 4735. Tenant Protection in Foreclosure Act of 2007. All Provisions. Amends the Truth in Lending Act to protect tenants interests in foreclosure proceedings. S. 2736 Section 202 Supportive Housing for the Elderly Act of 2008. All Provisions. Amends section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes. S. 2595 S.A.F.E. Mortgage Licensing Act of 2008. All Provisions. Creates a national licensing system for residential mortgage loan originators, to develop minimum standards of conduct to be enforced by State regulators, and for other purposes. H.R. 44, Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R. 526, Full Funding for IDEA Now Act. All provisions. Supports home ownership and responsible lending. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. H.R.1289, Community Reinvestment Modernization Act of 2007. All provisions. Enhances the availability of capital and credit for all citizens and communities. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. H.R. 1427, Federal Housing Finance Reform Act of 2007. All Provisions. GSE Regulation Reform. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. H.R. 1996, Preservation of Federalism in Banking Act. All Provisions. Clarifies applicability of State law to national banks and Federal savings associations. S.2036, Protecting Access to Safe Mortgages Act . All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act. All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation of loan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases 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. S.2201, Home Ownership Mortgage Emergency Act . All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases 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. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to certain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section 1. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and expands the coverage of the appraisal requirements. H.R.3557, Restore American Dream Act of 2007. All Provisions. The establishment of, and the deduction of contributions to, homeownership plans. H.R.3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act. H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act. All provisions. Modifies certain mortgages on principal residences. H.R.3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Seeks partisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R.3705, Fair Disclosure for Homeowners Act of 2007 . All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.3740, ASPIRE Act. All Provisions. Provides every newborn with a $500 Savings Account for education/retirement purposes. H.R.3777, Protecting Access to Safe Mortgages Act. All provisions. Temporarily raisees conforming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that varies from terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgage loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All provisions. Reforms consumer mortgage practices and provides accountability for such practices, establishes licensing and registration requirements for residential mortgage originators, provides certain minimum standards for consumer mortgage loans. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the part of holders of residential mortgage loans. S.2399, Financial Education and Counseling Assistance Act of 2007. All provisions.Seeks to expancd and improve housing counseling services by increasing financial education and counseling services available to homeowners and prospective homebuyers in financial turmoil or who seek credit or other personal financial assistance, and for other purposes. S.2490, Reverse Mortgage Proceeds Protection Act. All Provisions. Seeks to prohibit authorized lenders of home equity conversion mortgages from requiring seniors to purchase an annuity with the proceeds of a reverse mortgage, and to provide other consumer protections to reverse mortgage borrowers. S.2523, National Affordable Housing Trust Fund Act of 2007. All Provisions. Seeks to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families.

Client expense: $1,020,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA), 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

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

Regulation of Insurance: HR 3200; S 40; HR 5611. National Flood Insurance Program: HR 3121; S 1890; S 2047; S 2284 (Senator Landrieu's proposal to create ombudsman for the NFIP). Natural Catastrophe: Hr 3355; HR 3644; S 292; S 2286; S 2310. Community Reinvestment: HR 1289. Credit Scoring: HR 5633.

Client expense: $1,170,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

HR 1289 Community Reinvestment Modernization Act; opposed to this bill, costs of compliance with detailed reporting requirements

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1289, the Community Reinvestment Modernization Act of 2007-entire bill; H.R. 1537, the Credit Union Regulatory Improvements Act of 2007-entire bill; H.R. 1849, the Credit Union Small Business Lending Act-entire bill; H.R. 3113, the Affordable Financial Services Enhancement Act-entire bill

Client expense: Not reported · Firm income: Not reported

HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act

Client expense: $400,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Passenger Vehicle Loss Disclosure Act - S.545 Insurance Industry Competition Act of 2007 - H.R.1081 Insurance Industry Competition Act of 2007- S.618 Homeowners' Insurance Noncoverage Disclosure Act - S.1061 National Insurance Act of 2007- S.40 Community Reinvestment Modernization Act of 2007 - H.R.1289 Terrorism Risk Insurance Revision and Extension Act of 2007 - H.R.2761 National Insurance Act of 2007 - H.R.3200 Terrorism Risk Insurance Program Reauthorization Act of 2007 - S. 2285 Terrorism Risk Insurance Improvement Act of 2007 - H.R. 4721 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - S.292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - H.R.537 Antitrust Modernization Commission Extension Act of 2007 - H.R.742

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

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, 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

* H.R.3996, "Temporary Tax Relief Act of 2007" -AMT and NMTC extension H.R.2764, "Consolidated Appropriations Act, 2008" -Sections on HUD Section 4 Capacity Building program, CDBG, HOME, HOPE VI, Section 8 and CDFI Fund H.R.5140, "Recovery Rebates and Economic Stimulus for the American People Act of 2008" -Entire bill H.R. 2206, "U.S. Troop Readiness, Veterans' Care, Katrina Recovery, and Iraq Accountability Appropriations Act, 2007" -Sections on HUD and Katrina relief S.1078, H.R.1850, "Housing America's Workforce Act" -Entire bill S.829, "HOPE VI Green Building and Technical Assistance Act of 2007" -Entire bill H.R.2536, "HOPE VI Green Building and Techniacal Assistance Act of 2007" -Entire bill H.R.2536, "HOPE VI Reauthorization Act of 2006" -Entire bill H.R.1427, "Federal Housing Finance Reform Act of 2007" -Entire bill H.R.1259, "High-Performance Buildings Act of 2007" -Entire bill H.R.1851, "Section 8 Voucher Refrom Act of 2007" -Entire bill S.593, "Services for Ending Long-Term Homelessness Act" -Entire bill S.1518, "Community Partnership to End Homelessness Act (CPEHA)" -Entire bill H.R.2895, S.2523, "National Affordable Housing Trust Fund Act of 2007" -Entire bill H.R.3031, "Advanced Design in Energy for Living Efficiently Act of 2007" -Entire bill H.R.2786, "Native American Housing Assistanceand Self-Determination Reauthorization Act of 2007" -Entire bill H.R.44, "Stabilizing Affordable Housing for the Future Act" -Entire bill H.R.1982, "Rural Housing and Economic Development Improvement Act of 2007" -Entire bill H.R.1980, "Housing Assistance Counsil Authorization Act of 2007" -Entire bill H.R.2930, "Section 202 Supportive Housing for the Elderly Act of 2007" -Entire bill H.R.6, S.103, "CLEAN Energy Act of 2007" -Entire bill S.1180, "Workforce Housing Construction for the GO Zone Act of 2007" -Entire bill H.R.1227, S.1668, "Gulf Coast Hurricane Housing Recovery Act of 2007" -Entire bill H.R.647, H.R.3695, "Mark-to-Market Extensionand Enhancement Act of 2007" -Entire bill H.R.1852, S.2338, "FHA Modernization Act of 2007" -Entire bill H.R.1289, "Community Reinvestment Modernization Act of 2007" -Entire bill H.R.3915, "Mortgage Reform and Anti-Predatory Lending Act of 2007" -Entire bill S.2391, "GSE Mission Improvement Act" -Entire bill S.2452, "Home Ownership Preservation and Protection Act of 2007" -Entire bill H.R.2075,S.1239, "New Markets Tax Credit Extension Act of 2007" -Entire bill H.R.3996, "Temporary Tax Relief Act of 2007" -AMT and NMTC extension

Client expense: $250,000 · Firm income: Not reported

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

H.R. 1289 Community Reinvestment Modernization Act of 2007 S. 238 Social Security Number Misuse Prevention Act

Client expense: $827,012 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1289 Community Reinvestment Modernization Act of 2007 S. 238 Social Security Number Misuse Prevention Act

Client expense: $827,012 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes.

Client expense: $987,588 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Federal Election Commission (FEC), Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Financial Management Service (FMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, U.S. Customs & Border Protection, U.S. Immigration & Customs Enforcement (ICE), UNDETERMINED