Compete Act of 2007

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. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, The COMPETE Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

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

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

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

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

Monitoring issues related to healthcare; entire bills of the following: S. 869 / H.R. 1508, Compete Act of 2007 S. 618 / H.R. 1081, Insurance Industry Competition Act of 2007 S. 244, Healthy Mothers and Healthy Babies Access to Care Act S. 1019, Universal Health Care Choice and Access Act S. 243, MCAP Act S. 334 / H.R.3163, Healthy Americans Act H.R. 2626, Comprehensive HealthCARE Act of 2007 H.R. 2580, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act of 2007 H.R. 3509, Medical Justice Act of 2007 S. 1455, National Health Information Technology and Privacy Advancement Act of 2007 S. 1693 / H.R. 3800, Wired for Health Care Quality Act H.R. 2991, Independent Health Record Trust Act of 2007 H.R. 2377, Assisting Doctors to Obtain Proficient and Transmissible Health Information Technology (ADOPT HIT) Act of 2007 H.R. 2406, Healthcare Information Technology Enterprise Integration Act S. AMDT. 3500, To improve womens access to health care in rural areas

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

HR 1424 (Mark-to-Market Accounting), HR 7190 (Fair Value Accounting), HR 1049 (Sarbanes Oxley Act), HR 1508 (Sarbanes Oxley Act). HR 1550 (Sarbanes Oxley Act), HR 1780 (Sarbanes Oxley Act), HR 1869 (Sarbanes Oxley Act), HR 2727 (Sarbanes Oxley Act), S 869 (Sarbanes Oxley Act), S 1405 (Sarbanes Oxley Act), HR 2829 (SEC Funding Bill), Audit quality issues of interest to the AICPA's Center for Audit Quality, International Financial Reporting Standards (IFRS), Fair Value Accounting HR 6987 (Sarbanes Oxley Act), HR 7240 (SEC Study on Mark-to-Market)

Client expense: $1,105,858 · Firm income: Not reported

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

H.R. 1049-Amend Misinterpreted Excessive Regulation In Corporate America Act; H.R. 1508-Compete Act of 2007; H.R. 1550-The Regulatory Relief and Fairness Act; H.R. 1780-Small Business Securities Protection Act; H.R. 1869-Communities First Act; H.R. 2727-Small Business SOX Compliance Extension Act; S. 869-Compete Act of 2007; S. 1405-Communities First Act; H.R. 1424-Emergency Economic Stabilization Act of 2008; H.R. 7190-The Fair Value Accounting Standards Reform Act of 2008; International Financial Reporting Standards (IFRS); H.R. 755-Promoting Transparency in Financial Reporting Act of 2007; S. 834-Promoting Transparency in Financial Reporting Act of 2007; H.R. 7240-Bringing Accounting, Increased Liquidity, Oversight and Upholding Taxpayer Security Act of 2008; H.R. 7110-Job Creation and Unemployment Relief Act of 2008; HUD proposal to establish an Independent Public Accountant Roster

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

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), U.S. Immigration & Customs Enforcement (ICE)

HR 1508 - Compete Act of 2007, all sections; S 869 - Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneur Act of 2007, all sections; HR 1550 - Regulatory Relief and Fairness Act, all sections; HR 1780 - Small Business Securities Protection Act, all sections; HR 1869 - Community Banks Serving their Communities First Act, Section 102; S 1405 - Community Banks Serving their Communities First Act, Section 102; see addendum HR 2727 - Small Business SOX, Compliance Extension, all sections; HR 1049 - Amend Misinterpreted Excessive Regulation in Corporate America Act, all sections; PL 107-204 - Sarbanes - Oxley Act of 2002, rules and procedures in implementing law; Department of Housing and Urban Development Proposed Rule on Establishing Independent Public Accountant Roster, all aspects; HR 1424 - Emergency Economic Stabilzation Act of 2008, all sections; HR 7190 - Fair Value Accounting Standards Reform Act of 2008, all sections; International Financial Reporting Standards (IFRS) - Support for Global Accounting Standards.

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

Government targets: HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

H.R. 1049-Amend Misinterpreted Excessive Regulation In Corporate America Act; H.R. 1508-Compete Act of 2007; H.R. 1550-The Regulatory Relief and Fairness Act; H.R. 1780-Small Business Securities Protection Act; H.R. 1869-Communities First Act; H.R. 2727-Small Business SOX Compliance Extension Act; S. 869-Compete Act of 2007; S. 1405-Communities First Act; H.R. 1424-Emergency Economic Stabilization Act of 2008; H.R. 7190-The Fair Value Accounting Standards Reform Act of 2008; International Financial Reporting Standards (IFRS); H.R. 755-Promoting Transparency in Financial Reporting Act of 2007; S. 834-Promoting Transparency in Financial Reporting Act of 2007; HUD proposal to establish an Independent Public Accountant Roster.

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

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), U.S. Immigration & Customs Enforcement (ICE)

HR 1424 (Mark-to-Market Accounting), HR 7190 (Fair Value Accounting), HR 1049 (Sarbanes Oxley Act), HR 1508 (Sarbanes Oxley Act). HR 1550 (Sarbanes Oxley Act), HR 1780 (Sarbanes Oxley Act), HR 1869 (Sarbanes Oxley Act), HR 2727 (Sarbanes Oxley Act), S 869 (Sarbanes Oxley Act), S 1405 (Sarbanes Oxley Act), HR 2829 (SEC Funding Bill), Audit quality issues of interest to the AICPA's Center for Audit Quality, International Financial Reporting Standards (IFRS), Fair Value Accounting

Client expense: $1,288,791 · Firm income: Not reported

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

Various issues regarding implementation of Sarbanes-Oxley Act and accounting related issues including: HR 755/S.834 "Promoting Transparency in Financial Reporting Act of 2007"; HR 1049 "Amend Misinterpreted Excessive Regulation in Corporate America Act"; HR 1424 "Emergency Economic Stabilization Act of 2008"; HR 1508/S.869 "Compete Act of 2007"; HR 1550/S.2703 "Regulatory Relief and Fairness Act"; HR 1780 "Small Business Securities Protection Act"; HR 1869/S.1405 "Communities First Act"; HR 2727 "Small Business SOX Compliance Extension Act"; HR 2829 " Financial Services and General Government Appropriations Act, 2008"; HR 6416 "Financial Institutions Compliance Simplification Act"; HR 7190 "Fair Value Accounting Standards Reform Act of 2008"

Client expense: $361,276 · Firm income: Not reported

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

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, the Compete Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) 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

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

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

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

HR 1508 - Compete Act of 2007, all sections; S 869 - Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneur Act of 2007, all sections; HR 1550 - Regulatory Relief and Fairness Act, all sections; HR 1780 - Small Business Securities Protection Act, all sections; HR 1869 - Community Banks Serving their Communities First Act, Section 102; S 1405 - Community Banks Serving their Communities First Act, Section 102; see addendum HR 2727 - Small Business SOX, Compliance Extension, all sections; HR 1049 - Amend Misinterpreted Excessive Regulation in Corporate America Act, all sections; PL 107-204 - Sarbanes - Oxley Act of 2002, rules and procedures in implementing law; Department of Housing and Urban Development Proposed Rule on Establishing Independent Public Accountant Roster, all aspects; HR 1424 - Emergency Economic Stabilzation Act of 2008, all sections; HR 7190 - Fair Value Accounting Standards Reform Act of 2008, all sections; International Financial Reporting Standards (IFRS) - Support for Global Accounting Standards.

Client expense: $410,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Monitoring issues related to healthcare; entire bills of the following: S. 869 / H.R. 1508, Compete Act of 2007 S. 618 / H.R. 1081, Insurance Industry Competition Act of 2007 S. 244, Healthy Mothers and Healthy Babies Access to Care Act S. 1019, Universal Health Care Choice and Access Act S. 243, MCAP Act S. 334 / H.R.3163, Healthy Americans Act H.R. 2626, Comprehensive HealthCARE Act of 2007 H.R. 2580, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act of 2007 H.R. 3509, Medical Justice Act of 2007 S. 1455, National Health Information Technology and Privacy Advancement Act of 2007 S. 1693 / H.R. 3800, Wired for Health Care Quality Act H.R. 2991, Independent Health Record Trust Act of 2007 H.R. 2377, Assisting Doctors to Obtain Proficient and Transmissible Health Information Technology (ADOPT HIT) Act of 2007 H.R. 2406, Healthcare Information Technology Enterprise Integration Act S. AMDT. 3500, To improve womens access to health care in rural areas

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

HR 1049 (Sarbanes Oxley Act), HR 1508 (Sarbanes Oxley Act). HR 1550 (Sarbanes Oxley Act), HR 1780 (Sarbanes Oxley Act), HR 1869 (Sarbanes Oxley Act), HR 2727 (Sarbanes Oxley Act), S 869 (Sarbanes Oxley Act), S 1405 (Sarbanes Oxley Act), HR 2829 (SEC Funding Bill), Audit quality issues of interest to the AICPA's Center for Audit Quality, International Financial Reporting Standards (IFRS), Fair Value Accounting

Client expense: $1,085,550 · Firm income: Not reported

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

HR 1508 - Compete Act of 2007, all sections; S 869 - Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneur Act of 2007, all sections; HR 1550 - Regulatory Relief and Fairness Act, all sections; HR 1780 - Small Business Securities Protection Act, all sections; HR 1869 - Community Banks Serving their Communities First Act, Section 102; S 1405 - Community Banks Serving their Communities First Act, Section 102; see addendum HR 2727 - Small Business SOX, Compliance Extension, all sections; HR 1049 - Amend Misinterpreted Excessive Regulation in Corporate America Act, all sections; PL 107-204 - Sarbanes - Oxley Act of 2002, rules and procedures in implementing law; Department of Housing and Urban Development Proposed Rule on Establishing Independent Public Accountant Roster, all aspects.

Client expense: $900,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) . 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

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

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

S. 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

H.R. 1049-Amend Misinterpreted Excessive Regulation In Corporate America Act; H.R. 1508-Compete Act of 2007; S. 869-Compete Act of 2007; H.R. 1550-The Regulatory Relief and Fairness Act; H.R. 1780-Small Business Securities Protection Act; H.R. 2727-Small Business SOX Compliance Extension Act; H.R. 755-Promoting Transparency in Financial Reporting Act of 2007; H.R. 1869-Communities First Act; S. 834-Promoting Transparency in Financial Reporting Act of 2007; S. 1405-Communities First Act; H.R. 2829-Financial Services and General Government Appropriations Act, 2008; Fair Value Accounting; HUD proposal to establish an Independent Public Acountant Roster; International Financial Reporting Standards.

Client expense: $670,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), U.S. Immigration & Customs Enforcement (ICE), U.S. Trade Representative (USTR)

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

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

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

Monitoring issues related to healthcare; entire bills of the following: S. 869 / H.R. 1508, Compete Act of 2007 S. 618 / H.R. 1081, Insurance Industry Competition Act of 2007 S. 244, Healthy Mothers and Healthy Babies Access to Care Act S. 1019, Universal Health Care Choice and Access Act S. 243, MCAP Act S. 334 / H.R.3163, Healthy Americans Act H.R. 2626, Comprehensive HealthCARE Act of 2007 H.R. 2580, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act of 2007 H.R. 3509, Medical Justice Act of 2007 S. 1455, National Health Information Technology and Privacy Advancement Act of 2007 S. 1693 / H.R. 3800, Wired for Health Care Quality Act H.R. 2991, Independent Health Record Trust Act of 2007 H.R. 2377, Assisting Doctors to Obtain Proficient and Transmissible Health Information Technology (ADOPT HIT) Act of 2007 H.R. 2406, Healthcare Information Technology Enterprise Integration Act S. AMDT. 3500, To improve womens access to health care in rural areas

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

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

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

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

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses Regulatory improvements to the Community Reinvestment Act

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

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

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

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

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

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses Regulatory improvements to the Community Reinvestment Act

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

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

H.R. 1049-Amend Misinterpreted Excessive Regulation In Corporate America Act, H.R. 1508-Compete Act of 2007, S. 869-Compete Act of 2007, H.R. 1550-The Regulatory Relief and Fairness Act, H.R. 1780-Small Business Securities Protection Act, H.R. 2727-Small Business SOX Compliance Extension Act, H.R. 755-Promoting Transparency in Financial Reporting Act of 2007, H.R. 1869-Communities First Act, S. 834-Promoting Transparency in Financial Reporting Act of 2007.

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

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

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

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

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses Regulatory improvements to the Community Reinvestment Act

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

Sarbanes Oxley Reform: Compete Act of 2007- S869, HR 1508 Section 404 Compliance Relief for Small Companies

Client expense: $498,229 · Firm income: Not reported

Government targets: Energy, Dept of, Financial Management Service (FMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Natl Science Foundation (NSF), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), White House Office

HR 1508 - Compete Act of 2007, all sections; S 869 - Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneur Act of 2007, all sections; HR 1550 - Regulatory Relief and Fairness Act, all sections; HR 1780 - Small Business Securities Protection Act, all sections; HR 1869 - Community Banks Serving their Communities First Act, Section 102; S 1405 - Community Banks Serving their Communities First Act, Section 102; see addendum HR 2727 - Small Business SOX, Compliance Extension, all sections; HR 1049 - Amend Misinterpreted Excessive Regulation in Corporate America Act, all sections; PL 107-204 - Sarbanes - Oxley Act of 2002, rules and procedures in implementing law

Client expense: $560,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 1049 (Sarbanes Oxley Act), HR 1508 (Sarbanes Oxley Act). HR 1550 (Sarbanes Oxley Act), HR 1780 (Sarbanes Oxley Act), HR 1869 (Sarbanes Oxley Act), HR 2727 (Sarbanes Oxley Act), S 869 (Sarbanes Oxley Act), S 1405 (Sarbanes Oxley Act), HR 2829 (SEC Funding Bill), Audit quality issues of interest to the AICPA's Center for Audit Quality, International Financial Reporting Standards (IFRS)

Client expense: $1,084,279 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537); (continued) Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Privacy bills (H.R.3056); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, S.2136). Regulation: Community Reinvestment Act regulations; FDIC ILC Applications; OTS gift card guidance; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Payday Lending Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FTC Privacy Rules; OTS Unfair & Deceptive Rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, FBI Subpoenas Addendum, Financial Institution Regulatory Restructuring. #17. (continued from previous page) Public Company Accounting Oversight Board

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

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

Monitoring issues related to healthcare; entire bills of the following: S. 869 / H.R. 1508, Compete Act of 2007 S. 618 / H.R. 1081, Insurance Industry Competition Act of 2007 S. 244, Healthy Mothers and Healthy Babies Access to Care Act S. 1019, Universal Health Care Choice and Access Act S. 243, MCAP Act S. 334 / H.R.3163, Healthy Americans Act H.R. 2626, Comprehensive HealthCARE Act of 2007 H.R. 2580, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act of 2007 H.R. 3509, Medical Justice Act of 2007 S. 1455, National Health Information Technology and Privacy Advancement Act of 2007 S. 1693 / H.R. 3800, Wired for Health Care Quality Act H.R. 2991, Independent Health Record Trust Act of 2007 H.R. 2377, Assisting Doctors to Obtain Proficient and Transmissible Health Information Technology (ADOPT HIT) Act of 2007 H.R. 2406, Healthcare Information Technology Enterprise Integration Act S. AMDT. 3500, To improve womens access to health care in rural areas

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Monitoring issues related to healthcare; entire bills of the following: S. 869 / H.R. 1508, Compete Act of 2007 S. 618 / H.R. 1081, Insurance Industry Competition Act of 2007 S. 244, Healthy Mothers and Healthy Babies Access to Care Act S. 1019, Universal Health Care Choice and Access Act S. 243, MCAP Act S. 334 / H.R.3163, Healthy Americans Act H.R. 2626, Comprehensive HealthCARE Act of 2007 H.R. 2580, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act of 2007 H.R. 3509, Medical Justice Act of 2007 S. 1455, National Health Information Technology and Privacy Advancement Act of 2007 S. 1693 / H.R. 3800, Wired for Health Care Quality Act H.R. 2991, Independent Health Record Trust Act of 2007 H.R. 2377, Assisting Doctors to Obtain Proficient and Transmissible Health Information Technology (ADOPT HIT) Act of 2007 H.R. 2406, Healthcare Information Technology Enterprise Integration Act S. AMDT. 3500, To improve womens access to health care in rural areas

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

HR 1049 (Sarbanes Oxley Act), HR 1508 (Sarbanes Oxley Act). HR 1550 (Sarbanes Oxley Act), HR 1780 (Sarbanes Oxley Act), HR 1869 (Sarbanes Oxley Act), HR 2727 (Sarbanes Oxley Act), S 869 (Sarbanes Oxley Act), S 1405 (Sarbanes Oxley Act), HR 2829 (SEC Funding Bill)

Client expense: $2,490,656 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 1405 - Community Banks Serving their Communities First Act; HR 2727 - Small Business SOX Compliance Extension Act, all sections; PL 107-204 - Sarbanes-Oxley of 2002, rules and procedures in implement law. HR 1049 - Amend Misinterpreted Excessive Regulation in Corporate American Act, all sections; HR 1508 - Compete Act of 2007, all sections; S 869 - Competitve and Open Markets that Protect and Enhance the Treatment of Entrepreneurs Act of 2007, all sections -- con't on Addendum HR 1550 - Regulatory Relief and Fairness Act, all sections; HR 1780 - Small Business Securities Protection Act, all sections; HR 1869 - Community Banks Serving their Communties First Act, all sections

Client expense: $1,478,268 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, UNDETERMINED, White House Office

H.R. 1049-Amend Misinterpreted Excessive Regulation In Corporate America Act, H.R.1508-Compete Act of 2007, H.R. 1550-The Regulatory Relief and Fairness Act, H.R. 1780-The Small Business Securities Protection Act, H.R. 2727-Small Business SOX Compliance Extension Act, H.R. 755-Promoting Transparency in Financial Reporting Act of 2007, H.R. 1869-Communities First Act, S. 834-The Promoting Transparency in Financial Reporting Act of 2007.

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

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), U.S. Trade Representative (USTR)

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

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

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

HR 1049 (Sarbanes Oxley Act), HR 1508 (Sarbanes Oxley Act). HR 1550 (Sarbanes Oxley Act), HR 1780 (Sarbanes Oxley Act), HR 1869 (Sarbanes Oxley Act), HR 2727 (Sarbanes Oxley Act), S 869 (Sarbanes Oxley Act), S 1405 (Sarbanes Oxley Act), HR 2829 (SEC Funding Bill)

Client expense: $2,403,156 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1508 - Compete Act of 2007, all sections; S 869 - Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneur Act of 2007, all sections; HR 1550 - Regulatory Relief and Fairness Act, all sections; HR 1780 - Small Business Securities Protection Act, all sections; HR 1869 - Community Banks Serving their Communities First Act, Section 102; S 1405 - Community Banks Serving their Communites First Act, Section 102 --- con't on Addendum

Client expense: $1,172,316 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Sarbanes Oxley Reform: Compete Act of 2007, S869, HR 1508 Section 404 Compliance Relief for Small Companies

Client expense: $845,739 · Firm income: Not reported

Government targets: Energy, Dept of, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Natl Science Foundation (NSF), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), White House Office

HR 755/S. 834 "Promoting Transparency in Financial Reporting Act of 2007"; HR 1049 "Amend Misinterpreted Excessive Regulation in Corporate America Act"; HR 1508/S. 869 "Compete Act of 2007"; HR 1780 "Small Business Securities Protection Act"; HR 1869/S. 1405 "Community Banks Serving their Communities First Act"; HR 2727 "Small Business SOX Compliance Extension Act"; HR 6416 "Financial Institutions Compliance Simplification Act"

Client expense: $1,103,420 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Monitoring issues related to healthcare; entire bills of the following: S. 869 / H.R. 1508, Compete Act of 2007 S. 618 / H.R. 1081, Insurance Industry Competition Act of 2007 S. 244, Healthy Mothers and Healthy Babies Access to Care Act

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

H.R. 2272 21st Century Competitiveness Act of 2007 S. 761 America Creating Opportunities to Meaningfully Promote Excellence in Technology, Education, and Science Act H.R. 2669 College Cost Reduction Act of 2007 S. 869 Compete Act of 2007 / H.R. 1508 Compete Act of 2007

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

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), UNDETERMINED

Monitoring issues related to medical malpractice reform and healthcare; entire bills of the following: S. 869, H.R. 1508; S. 618; H.R. 1081; S. 244; S. 1019; S. 243; S. 334; H.R. 2626; H.R. 2580; H.R. 3509; S. 1455; S. 1693; H.R. 2991; H.R. 3800; H.R. 2377; H.R. 2406; S. 2449; H.R. 1443; S. 1782; S. AMDT. 3500

Client expense: Not reported · Firm income: Not reported