Credit Card Accountability Responsibility and Disclosure Act of 2007

H.R. 1461 and S. 190, GSE Reform Legislation, Amendment to Create Affordable Housing Fund; S. 3508, Moving to Work Charter Program Act of 2006; S. 829,HOPE VI Improvement and Reauthorization Act of 2007; H.R. 3126 HOPE VI Improvement and Reauthorization Act of 2007; H.R. 1851, Section 8 Voucher Reform Act of 2007; H.R. 3524, HOPE VI Improvement and Reauthorization Act of 2008; H.R. 3521; Public Housing Asset Management and Improvement Act of 2007; S. 788, Moving to Work Charter Program Act of 2007; S. 4063, Affordable Housing Expansion and Public Safety Act; H.R. 202, Housing Authority Funding Fairness Act of 2007; H.R. 174, Public Housing Drug Elimination Program Reauthorization Act of 2007; H.R. 2764, Consolidated Appropriations Act, 2008.

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

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

H.R. 698, S. 1356, Industrial Bank Holding Company Act regarding commercial ownership of banks; H.R. 873, Credit Card Payment Fees Act; H.R. 1461, Credit CARD Act; H.R. 5244 Credit Cardholders' Bill of Rights; S. 1395 Stop Unfair Practices Cards Act; S. 2753 Financial Consumer Protection Act; S. 3252, Credit CARD Act - all regarding credit card practices and disclosures. H.R. 6248, Credit Card Interchange Fee Act regarding interchange fee disclosures.

Client expense: Not reported · Firm income: $15,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Credit Card: SB1395, HR1461, HR946, HR2146, HR5546 (Interchange), HR5244 (Maloney) Housing Stimulus Package HR3221 (GSE/FHA Reform) Mortgage Bankruptcy: SB2136, SB2133 Emergency Economic Stabilization Act HR 1424

Client expense: $160,000 · 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 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 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. 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. Prepared for meeting with Senate staff on the health of the industry, housing and FDIC. Fannie Mae and Freddie Mac preferred stock issues. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008 H.R. 7326, the Systematic Foreclosure Prevention and Mortgage Modification Act (to establish a systematic mortgage modification program at the FDIC) (all provisions)

Client expense: $1,930,000 · 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

S. 190- "The Federal Housing Enterprise Regulatory Reform Act", All provisions. H.R. 1461 - "The Federal Housing Finance Act", All provisions. H.R. 3915 - "The Mortgage Reform and Predatory Reform Act", all provisions and senate counterparts. H.R. 5830 - "FHA Housing Stabilization and Homeownership Retention Act", all provisions.

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

Government targets: 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: $515,000 · 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)

Business Credit Card Issues - H.R. 1461: Credit Card Accountability Responsibility and Disclosure Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts S. 3252, Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions S. 2753, the Credit Card Reform Act, issues relating to credit card terms and conditions Emergency Economic Stabilization Act, provisions to provide liquidity and stability to the financial markets H.R. 6620, Gas Pump Fair Payment Act of 2008, issues relating to credit card interchange fees H.R. 6618, Stop Deceptive Advertising of Gas Prices Act, issues relating to credit card fees

Client expense: $1,030,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), 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, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)

Issues related to credit card use, interchange and their transactions including the following legislation: 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.1925 - Student Credit Card Protection Act of 2007; S.2411 - Credit Card Safety Star Act of 2007; S.2542 - Credit Card Minimum Payment Notification Act of 2008; S.2753 - Credit Card Reform Act of 2008; S.3086 - Credit Card Fair Fee Act of 2008 ; S.3252 - Credit Card Act of 2008; H.R.873 - Credit Card Payment Fee Act of 2007; H.R.1461 - Credit Card Act of 2007; H.R. 1510 - Credit Card Repayment Act of 2007; H.R. 2146 - Universal Default Prohibition Act of 2007; H.R.3347 - Student Credit Card Protection Act of 2007; H.R.3421 - Credit Protection Act of 2007; H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008; H.R.5280 - Stop Unfair Practices in Credit Cards Act of 2007; H.R.5546 - Credit Card Fair Fee Act of 2008; H.R.5988 - Fair and Justifiable Credit Card Interest Rate Act of 2008; and H.R.6248 - Credit Card Interchange Fees Act of 2008.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit and Debit Card Receipt Clarification Act (HR 4008) Credit CARD Act of 2007 (S 3252/HR 1461) Credit Card Minimum Payment Warning Act of 2007 (HR 1176) Credit Card Payment Fee Act of 2007 (HR 873) Credit Cardholders Bill of Rights Act of 2008 (HR 5244) Credit Card Repayment Act of 2007 (HR 1510) Credit Protection Act of 2007 (HR 3421) Stop Unfair Practices in Credit Cards Act of 2007 (S 1395/HR 5280) Universal Default Prohibition Act of 2007 (S1309/HR 2146) Arbitration Fairness Act of 2007 (S 1782/HR 3010) Credit Card Reform Act of 2008 (S 2753)

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

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

H.R. 1461 and S. 190, GSE Reform Legislation, Amendment to Create Affordable Housing Fund; S. 3508, Moving to Work Charter Program Act of 2006; S. 829,HOPE VI Improvement and Reauthorization Act of 2007; H.R. 3126 HOPE VI Improvement and Reauthorization Act of 2007; H.R. 1851, Section 8 Voucher Reform Act of 2007; H.R. 3524, HOPE VI Improvement and Reauthorization Act of 2008; H.R. 3521; Public Housing Asset Management and Improvement Act of 2007; S. 788, Moving to Work Charter Program Act of 2007; S. 4063, Affordable Housing Expansion and Public Safety Act; H.R. 202, Housing Authority Funding Fairness Act of 2007; H.R. 174, Public Housing Drug Elimination Program Reauthorization Act of 2007; H.R. 2764, Consolidated Appropriations Act, 2008.

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

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

HR 698, S. 1356, Industrial Bank Holding Company Act--which deal with commercial ownership of banks. HR 873, Credit Card Payment Fees Act, HR 1461, Credit CARD Act, HR 5244, Credit Cardholder's Bill of Rights Act, S. 1395, Stop Unfair Practices Cards Act, S. 2753, Financial Consumer Protection Act, S. 3252 Credit CARD Act--which deal with credit practices and disclosures. HR 6248, Credit Card Interchange Fee Act, HR 6620, Gas Pump Fairness Act--which deal with interchange fees.

Client expense: $210,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

S. 1395 - To prevent unfair practices in credit card accounts, 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. 3421 - Credit Protection Act S. 2411 - Credit Card Safety Star Act of 2007 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. 5244 - Credit Cardholders' Bill of Rights Act of 2008 H.R. 5280 - Stop Unfair Practices in Credit Cards Act of 2007 - To prevent unfair practices in credit card accounts, and for other purposes. H.R. 5546 - Credit Card Fair Fee Act of 2008 S. 2753 - Credit Card Reform Act of 2008 - To protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers. S. 3086 - Credit Card Fair Fee Act. S. 3252 - Credit CARD Act of 2008

Client expense: Not reported · Firm income: $200,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1461 and S. 190, GSE Reform Legislation, Amendment to Create Affordable Housing Fund; S. 3508, Moving to Work Charter Program Act of 2006; S. 829,HOPE VI Improvement and Reauthorization Act of 2007; H.R. 3126 HOPE VI Improvement and Reauthorization Act of 2007; H.R. 1851, Section 8 Voucher Reform Act of 2007; H.R. 3524, HOPE VI Improvement and Reauthorization Act of 2008; H.R. 3521; Public Housing Asset Management and Improvement Act of 2007; S. 788, Moving to Work Charter Program Act of 2007; S. 4063, Affordable Housing Expansion and Public Safety Act; H.R. 202, Housing Authority Funding Fairness Act of 2007; H.R. 174, Public Housing Drug Elimination Program Reauthorization Act of 2007; H.R. 2764, Consolidated Appropriations Act, 2008.

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

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

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts S. 3252, Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions S. 2753, the Credit Card Reform Act, issues relating to credit card terms and conditions Emergency Economic Stabilization Act, provisions to provide liquidity and stability to the financial markets H.R. 6620, Gas Pump Fair Payment Act of 2008, issues relating to credit card interchange fees

Client expense: $920,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), 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, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)

H.R. 698, S. 1356, Industrial Bank Holding Company Act regarding commercial ownership of banks; H.R. 873, Credit Card Payment Fees Act; H.R. 1461, Credit CARD Act; H.R. 5244 Credit Cardholders' Bill of Rights; S. 1395 Stop Unfair Practices Cards Act; S. 2753 Financial Consumer Protection Act; S. 3252, Credit CARD Act - all regarding credit card practices and disclosures. H.R. 6248, Credit Card Interchange Fee Act regarding interchange fee disclosures.

Client expense: Not reported · Firm income: $15,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

GSE Legislation: HR 1461, S. 190, HR 3221, and similar other legislation

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

Issues related to credit card use, interchange and their transactions including the following legislation: 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.1925 - Student Credit Card Protection Act of 2007; S.2411 - Credit Card Safety Star Act of 2007; S.2542 - Credit Card Minimum Payment Notification Act of 2008; S.2753 - Credit Card Reform Act of 2008; S.3086 - Credit Card Fair Fee Act of 2008 ; S.3252 - Credit Card Act of 2008; H.R.873 - Credit Card Payment Fee Act of 2007; H.R.1461 - Credit Card Act of 2007; H.R. 1510 - Credit Card Repayment Act of 2007; H.R. 2146 - Universal Default Prohibition Act of 2007; H.R.3347 - Student Credit Card Protection Act of 2007; H.R.3421 - Credit Protection Act of 2007; H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008; H.R.5280 - Stop Unfair Practices in Credit Cards Act of 2007; H.R.5546 - Credit Card Fair Fee Act of 2008; H.R.5988 - Fair and Justifiable Credit Card Interest Rate Act of 2008; and H.R.6248 - Credit Card Interchange Fees Act of 2008.

Client expense: $337,000 · 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: $470,000 · Firm income: Not reported

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

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

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

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

Credit and Debit Card Receipt Clarification Act (HR 4008) Credit CARD Act of 2007 (S 3252/ HR 1461) Credit Card Minimum Payment Warning Act of 2007 (HR 1176) Credit Card Payment Fee Act of 2007 (HR 873) Credit Cardholders Bill of Rights Act of 2008 (HR 5244) Credit Card Repayment Act of 2007 (HR 1510) Credit Protection Act of 2007 (HR 3421) Stop Unfair Practices in Credit Cards Act of 2007 (S 1395/ HR 5280) Universal Default Prohibition Act of 2007 (S 1309/ HR 2146) Arbitration Fairness Act of 2007 (S 1782/HR 3010) Credit Card Reform Act of 2008 (S 2753)

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

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

HR 698, S. 1356, Industrial Bank Holding Company Act--which deal with commercial ownership of banks. HR 873, Credit Card Payment Fees Act, HR 1461, Credit CARD Act, HR 5244, Credit Cardholder's Bill of Rights Act, S. 1395, Stop Unfair Practices Cards Act, S. 2753, Financial Consumer Protection Act, S. 3252 Credit CARD Act--which deal with credit practices and disclosures. HR 6248, Credit Card Interchange Fee Act, HR 6620, Gas Pump Fairness Act--which deal with interchange fee disclosures.

Client expense: $200,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 190 - "The Federal Housing Enterprise Regulatory Reform Act", all provisions H.R. 1461 - "The Federal Housing Finance Act", all provisions H.R. 3915 - "The Mortgage Reform and Predatory Reform Act", all provisions and Senate counterparts H.R. 5830 - "FHA Housing Stabilization and Homeownership Retention Act", all provisions

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

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

Business Credit Card Issues - H.R. 1461: Credit Card Accountability Responsibility and Disclosure Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Card: SB1395, HR1461, HR946, HR2146, HR5546 (Interchange), HR5244 (Maloney) Farm Bill HR2419 Housing Stimulus Package HR3221 (GSE/FHA Reform); Mortgage Bankruptcy: SB2136, SB2133 Emergency Economic Stabilization Act HR 1424

Client expense: $130,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395 - To prevent unfair practices in credit card accounts, 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. 3421 - Credit Protection Act S. 2411 - Credit Card Safety Star Act of 2007 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. 5244 - Credit Cardholders' Bill of Rights Act of 2008 H.R. 5280 - Stop Unfair Practices in Credit Cards Act of 2007 - To prevent unfair practices in credit card accounts, and for other purposes. H.R. 5546 - Credit Card Fair Fee Act of 2008 S. 2753 - Credit Card Reform Act of 2008 - To protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers. S. 3086 - Credit Card Fair Fee Act. S. 3252 - Credit CARD Act of 2008

Client expense: Not reported · 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: $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)

GSE Legislation: HR 1461, S. 190, H.R. 3221, and similar other legislation

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 698, S. 1356, the Industrial Bank Holding Company Act dealing with commercial ownership of banks. H.R. 873, Credit Card Payment Fees Act, H.R. 1461, the Credit CARD Act, H.R. 5244, the Credit Cardholder's Bill of Rights Act, S. 1395, Stop Unfair Practices Cards Act, S. 2753, Financial Consumer Protection Act, S. 3252, Credit CARD Act, all of which deal with credit practices and disclosures. H.R. 6248, Credit Card Interchange Fee Act, which deals with interchange fee disclosures.

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 698, S. 1356, the Industrial Bank Holding Company Act dealing with commercial ownership of banks. H.R. 873, Credit Card Payment Fees Act, H.R. 1461, the Credit CARD Act, H.R. 5244, the Credit Cardholder's Bill of Rights Act, S. 1395, Stop Unfair Practices Cards Act, S. 2753, Financial Consumer Protection Act, S. 3252, Credit CARD Act, all of which deal with credit practices and disclosures. H.R. 6248, Credit Card Interchange Fee Act, which deals with interchange fee disclosures.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit card use, interchange and their transactions including the following legislation: 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.1925 - Student Credit Card Protection Act of 2007; S.2411 - Credit Card Safety Star Act of 2007; S.2542 - Credit Card Minimum Payment Notification Act of 2008; S.2753 - Credit Card Reform Act of 2008; S.3086 - Credit Card Fair Fee Act of 2008 ; S.3252 - Credit Card Act of 2008; H.R.873 - Credit Card Payment Fee Act of 2007; H.R.1461 - Credit Card Act of 2007; H.R. 1510 - Credit Card Repayment Act of 2007; H.R. 2146 - Universal Default Prohibition Act of 2007; H.R.3347 - Student Credit Card Protection Act of 2007; H.R.3421 - Credit Protection Act of 2007; H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008; H.R.5280 - Stop Unfair Practices in Credit Cards Act of 2007; H.R.5546 - Credit Card Fair Fee Act of 2008; H.R.5988 - Fair and Justifiable Credit Card Interest Rate Act of 2008; and H.R.6248 - Credit Card Interchange Fees Act of 2008.

Client expense: $237,000 · 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 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

GSE Legislation HR 1461 and S 190

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

Credit Card: SB1395, HR1461, HR946, HR2146, HR5546 (Interchange), HR5244 (Maloney) Farm Bill HR2419 Housing Stimulus Package HR3221 (GSE/FHA Reform); Mortgage Bankruptcy: SB2136, SB2133

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit and Debit Card Receipt Clarification Act (HR 4008) Credit CARD Act of 2007 (HR 1461) Credit Card Minimum Payment Warning Act of 2007 (HR 1176) Credit Card Payment Fee Act of 2007 (HR 873) Credit Cardholders Bill of Rights Act of 2008 (HR 5244) Credit Card Repayment Act of 2007 (HR 1510) Credit Protection Act of 2007 (HR 3421) Stop Unfair Practices in Credit Cards Act of 2007 (HR 1395) Universal Default Prohibition Act of 2007 (S1309/HR 2146) Arbitration Fairness Act of 2007 (S 1782/HR 3010) Credit Card Reform Act of 2008 (S 2753)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 698, S. 1356, Industrial Bank Holding Company Act--which deal with commercial ownership of banks. HR 873, Credit Card Payment Fees Act, HR 1461, Credit CARD Act, HR 5244, Credit Cardholder's Bill of Rights Act, S. 1395, Stop Unfair Practices Cards Act, S. 2753, Financial Consumer Protection Act, S. 3252 Credit CARD Act--which deal with credit practices and disclosures. HR 6248, Credit Card Interchange Fee Act--which deals with interchange fee disclosures.

Client expense: $200,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system S. 1356, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 698, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures Proposed revisions to Regulation AA regarding unfair and deceptive acts and practices Proposed Senate Legislation regarding credit card practices Issues relating to the proposed "Industrial Bank Holding Company Act" S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts

Client expense: $1,070,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), 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, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS)

Business Credit Card Issues - H.R. 1461: Credit Card Accountability Responsibility and Disclosure Act of 2007

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

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: $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)

GSE Legislation: HR 1461, S. 190, H.R. 3221, and similar other legislation

Client expense: Not reported · Firm income: Not reported

S. 1395 - To prevent unfair practices in credit card accounts, 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. 3421 - Credit Protection Act S. 2411 - Credit Card Safety Star Act of 2007 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. 5244 - Credit Cardholders' Bill of Rights Act of 2008 H.R. 5280 - Stop Unfair Practices in Credit Cards Act of 2007 - To prevent unfair practices in credit card accounts, and for other purposes. H.R. 5546 - Credit Card Fair Fee Act of 2008 S. 2753 - Credit Card Reform Act of 2008 - To protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers. S. 3086 - Credit Card Fair Fee Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 190 - "The Federal Housing Enterprise Regulatory Reform Act", all provisions. H.R. 1461 - "The Federal Housing Finance Act", all provisions. H.R. 3915 - "Mortgage Reform and Predatory Reform Act", all provisions and Senate counterparts H.R. 5830 - "FHA Housing Stabilization and Homeownership Retention Act", all provisions.

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

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

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

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

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