Credit Union Regulatory Improvements Act of 2007

H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 556 Amendments to Federal Credit Union Act HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. HR 2351 To amend the Federal Credit Union Act to increase the borrowing authority of the National Credit Union Administration, and for other purposes. HR 3126 Financial Servcies Regulatory Reform proposed legislation H.R. 3639 Expedited CARD Reform for Consumers Act of 2009 S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits. S. 896 A bill to prevent mortgage foreclosures and enhance mortgage credit availability. S. 414/S 3252 Credit CARD Act - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. S.1212 Credit Card Fair Fee Act of 2009 A bill to amend the antitrust laws to ensure competitive market-based fees and terms for merchants' access to electronic payment systems.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

HR 1 American Recovery and Reinvestment Act (stimulus bill) - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for the fiscal year ending September 30, 2009, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 556 Amendments to Federal Credit Union Act HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1105 Omnibus Appropriations Act of 2009 - The Fiscal Year 2009 omnibus totals $410 billion spending bill and includes nine appropriation bills that were not passed by Congress last year (Agriculture, Commerce/State/Justice, Energy and Water, Financial Services, Department of Interior, Labor/HHS, Legislative Branch, Department of State/Foreign Ops, Transportation/HUD). Funding for these government agencies and programs would increase by $32 billion, or 8.3%, over Fiscal Year 2008 (not including the funds appropriated by the recent "stimulus"). These agencies are currently funded at Fiscal Year 2008 levels through March 6, 2009, by a continuing resolution. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. HR 3126 Financial Servcies Regulatory Reform proposed legislation S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

HR 1 American Recovery and Reinvestment Act (stimulus bill) - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for the fiscal year ending September 30, 2009, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 556 Amendments to Federal Credit Union Act HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1105 Omnibus Appropriations Act of 2009 - The Fiscal Year 2009 omnibus totals $410 billion spending bill and includes nine appropriation bills that were not passed by Congress last year (Agriculture, Commerce/State/Justice, Energy and Water, Financial Services, Department of Interior, Labor/HHS, Legislative Branch, Department of State/Foreign Ops, Transportation/HUD). Funding for these government agencies and programs would increase by $32 billion, or 8.3%, over Fiscal Year 2008 (not including the funds appropriated by the recent "stimulus"). These agencies are currently funded at Fiscal Year 2008 levels through March 6, 2009, by a continuing resolution. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. HR 3126 Financial Servcies Regulatory Reform proposed legislation S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

HR 1 American Recovery and Reinvestment Act (stimulus bill) - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for the fiscal year ending September 30, 2009, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 556 Amendments to Federal Credit Union Act HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1105 Omnibus Appropriations Act of 2009 - The Fiscal Year 2009 omnibus totals $410 billion spending bill and includes nine appropriation bills that were not passed by Congress last year (Agriculture, Commerce/State/Justice, Energy and Water, Financial Services, Department of Interior, Labor/HHS, Legislative Branch, Department of State/Foreign Ops, Transportation/HUD). Funding for these government agencies and programs would increase by $32 billion, or 8.3%, over Fiscal Year 2008 (not including the funds appropriated by the recent "stimulus"). These agencies are currently funded at Fiscal Year 2008 levels through March 6, 2009, by a continuing resolution. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. HR 3126 Financial Servcies Regulatory Reform proposed legislation S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

HR 1 American Recovery and Reinvestment Act (stimulus bill) - Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for the fiscal year ending September 30, 2009, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. HR 627 / S235 Credit Cardholder's Bill of Rights Act of 2009 - aimed at leveling the playing field between credit card companies and consumers and abolishes industry abuses that have been described by regulators as unfair, deceptive and anti-competitive. HR 703 To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program and other enhancements HR 786 To make permanent the temporary increase in deposit insurance coverage and for other purposes. HR 1105 Omnibus Appropriations Act of 2009 - The Fiscal Year 2009 omnibus totals $410 billion spending bill and includes nine appropriation bills that were not passed by Congress last year (Agriculture, Commerce/State/Justice, Energy and Water, Financial Services, Department of Interior, Labor/HHS, Legislative Branch, Department of State/Foreign Ops, Transportation/HUD). Funding for these government agencies and programs would increase by $32 billion, or 8.3%, over Fiscal Year 2008 (not including the funds appropriated by the recent "stimulus"). These agencies are currently funded at Fiscal Year 2008 levels through March 6, 2009, by a continuing resolution. HR 1106 Helping Families Save Their Homes Act of 2009 - To prevent mortgage foreclosures and enhance mortgage credit availability HR 1214 - Payday Loan reform Act of 2009 - would amend the Truth in Lending Act to establish additional payday loan disclosure requirements and other protections for consumers. HR 1479 Community Reinvestment Modernization Act of 2009 - would extend the Community Reinvestment Act (CRA) beyond banks to other financial institutions: mortgage banks, financial holding companies, insurance companies, securities companies, and mainstream credit unions. S 61 Helping Families Save Their Homes in Bankruptcy Act of 2009 - will allow Bankruptcy Judges to modify the mortgages on residential real estate, a practice which the current Bankruptcy Code prohibits

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

Government targets: HOUSE OF REPRESENTATIVES, 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) 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

Credit Union Regulatory Relief Act, H.R. 1537/S. 2957, all provisions; Credit Union, Bank, Thrift Regulatory Relief Act, H.R. 6312, Title I, Title II, (sections 202, 204), Title III, Title IV (section 405); Credit Card Fair Fee Act, H.R. 5546/S.3086, all provisions; Emergency Economic Stabilization Act, H.R. 3997/1424.

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

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

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424). 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; 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. #17. (continued from previous page) Public Company Accounting Oversight Board Office of Federal Housing Enterprise Oversight

Client expense: $230,000 · 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

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization; CDFI Appropriations; CLF Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767);The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008;Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

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

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), 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

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767); The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008; Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

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

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007 (Sen. Durbin) - To address the treatment of primary mortgages in bankruptcy, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. Community Reinvestment Act, opposing efforts to include credit unions under CRA. H.R. 5519 Credit Union Regulatory Relief Act of 2008 To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H.R. 5546/S. 3086 Credit Card Fair fee Act of 2008 (Rep. Conyers/Sen. Durbin); To amend the antitrust laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems H.R. 2638 Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009. Continuing Resolution to fund the federal government through March 6, 2009. Lobbied for full funding authorization for the Central Liquidity Facility. HR 1424, Emergency Economic Stabilization Act of 2008. A bill to provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers. NAFCU lobbied to ensure that credit unions were fully included in the TARP program.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5958 -- Homeowner Opportunity Act of 2008 (Provisions Relating to Extension of increased GSE Loan Limits)

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

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

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

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

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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices of 2007 HR 1852, Expanding American Homewonership Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Predatory Lending Issues Regulation of Industrial Loan Corporation Holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs HR 6871, Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Payments Systems Expedited Funds Availability Act Amendments Real Estate Settlement Procedures Act (RESPA) regulations Fair Value Accounting (Mark to Market Accounting) SFAS 157, Fair Value Measurements HR 1424, Emergency Economic Stabilization Act HR 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009 Flood Insurance Housing Assistance Tax Act of 2008 Deposit Insurance Premiums Bank Examinations Financial Services Regulatory Structure Implementation of Housing and Economic Recovery Act of 2008 (Hope for Homeowners Program) Conservatorship of Fannie Mae/Freddie Mac Bank Capital Rules Money Market Mutual Fund Temporary Guaranty Program Community bank access to Troubled Asset Relief Program

Client expense: $1,230,000 · Firm income: Not reported

Government targets: Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

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

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

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

HR 1537, Credit Union Regulatory Improvements Act. Supported legislation that would reduce regulatory burden on financial institutions and reduce or eliminate credit union member service limits. SEC rule to modify broker/dealer registration exemption for credit union service organizations (CUSOs) and to extend exemptions to credit unions to same extent as granted to banks and thrifts. HR 6312, regarding credit union regulatory relief. Impact of proposed changes to Regulation Z on credit union's ability to make loan over the telephone.

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

Government targets: Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Credit Union Regulatory Relief Act, H.R. 1537/S.2957, all provisions; Credit Union, Bank, Thrift Regulatory Relief Act, H.R. 6312, Title I, Title II (sections 202, 204), Title III, Title IV (section 405); Credit Card Fair Fee Act, H.R. 5546/3086, all provisions; Emergency Economic Stabilization Act, H.R.3997/1424.

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

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

H.R.1537: Credit Union Regulatory Improvements Act of 2007 H.R.5519: Credit Union Regulatory Relief Act S.2957: Credit Union Regulatory Improvements Act of 2008 H.R.6312: Credit Union, Bank and Thrift Regulatory Relief Act of 2008 Credit union field of membership; Deposit Insurance H.R.1424: Emergency Economic Stabilization Act of 2008

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

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

HR 1537 - The Credit Union Regulatory Improvement Act HR 6312 - The Credit Union, Bank and Thrift Regulatory Act HR 5546 The Credit Card Fair Fee Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 3221, Housing and Economic Recovery Act of 2008 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 HR 5767, Payments System Protection Act of 2008 (Internet Gambling) S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Appraisal Policy for Housing GSEs Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Predatory Lending Issues Regulation of Industrial Loan Corporation Holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs HR 6871, Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Homeland Security and Critical Infrastructure Protection Payments Systems Expedited Funds Availability Act Amendments Real Estate Settlement Procedures Act (RESPA) regulations Fair Value Accounting (Mark to Market Accounting) SFAS 157, Fair Value Measurements HR 1424, Emergency Economic Stabilization Act HR 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009 Flood Insurance Housing Assistance Tax Act of 2008 Deposit Insurance Premiums Bank Examinations Financial Services Regulatory Structure Implementation of Housing and Economic Recovery Act of 2008 (Hope for Homeowners Program) Conservatorship of Fannie Mae/Freddie Mac Bank Capital rules Money market mutual fund Temporary Guaranty Program

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

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

S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007 (Sen. Durbin) - To address the treatment of primary mortgages in bankruptcy, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. Community Reinvestment Act, opposing efforts to include credit unions under CRA. H.R. 5519 Credit Union Regulatory Relief Act of 2008 To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H.R. 6312 Credit Union, Bank and Thrift, Regulatory Relief Act of 2008 (Bill combines H.R. 5519 with H.R. 5841) To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H. Res. 1145 - Recognizing the 100 year anniversary of the establishment of St. Mary's Cooperative Credit Association, the `Bank of the People', and the birth of the American credit union. Nomination of Michael Fryzel for the Board of the National Credit Union Administration didnt support or oppose nomination, just tracked the process and timing H.R. 5546/S. 3086 Credit Card Fair fee Act of 2008 (Rep. Conyers/Sen. Durbin); To amend the antitrust laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1537: Credit Union Regulatory Improvements Act of 2007 H.R.5519: Credit Union Regulatory Relief Act S.2957: Credit Union Regulatory Improvements Act of 2008 H.R.6312: Credit Union, Bank and Thrift Regulatory Relief Act of 2008 Credit union field of membership; Deposit Insurance H.R.1424: Emergency Economic Stabilization Act of 2008

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

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

HR 1537, Credit Union Regulatory Improvements Act. Supported legislation that would reduce regulatory burden on financial institutions and reduce or eliminate credit union member service limits. SEC rule to modify broker/dealer registration exemption for credit union service organizations (CUSOs) and to extend exemptions to credit unions to same extent as granted to banks and thrifts. HR 6312, regarding credit union regulatory relief. Impact of proposed changes to Regulation Z on credit union's ability to make loan over the telephone.

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

Government targets: Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5958 -- Homeowner Opportunity Act of 2008 (Provisions Relating to Extension of increased GSE Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits)

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

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

S. 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

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767); The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008; Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

Client expense: $414,203 · Firm income: Not reported

Government targets: Army, Dept of (Other), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization; CDFI Appropriations; CLF Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767);The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008;Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

Client expense: $414,203 · Firm income: Not reported

Government targets: Army, Dept of (Other), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

HR 1537 The Credit Union Regulatory Improvements Act HR 6312 The Credit Union, Bank, and Thrift Regulatory Act HR 5519 The Credit Union Regulatory Relief Act HR 5546 The Credit Card Fair Fee Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1537, The Credit Union Regulatory Improvements Act H.R. 5519, The Credit Union Regulatory Relief Act H.R. 6312, The Credit Union, Bank, and Thrift Regulatory Relief Act of 2008

Client expense: Not reported · Firm income: Not reported

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization; Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization, The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767).

Client expense: $304,881 · Firm income: Not reported

Government targets: Air Force, Dept of, Army, Dept of (Other), Council of Economic Advisers (CEA), Defense Finance & Accounting Service (DFAS), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Navy, Dept of, 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

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization, The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Improvements Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546, S. 3056); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767).

Client expense: $304,881 · Firm income: Not reported

Government targets: Air Force, Dept of, Army, Dept of (Other), Council of Economic Advisers (CEA), Defense Finance & Accounting Service (DFAS), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Navy, Dept of, 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

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization.

Client expense: $284,382 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), 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

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization.

Client expense: $284,382 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), 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

S.2136, Helping Families Save Their Homes in Bankruptcy Act of 2007 (Sen. Durbin) - To address the treatment of primary mortgages in bankruptcy, and for other purposes. H. R. 1537/S. 2957 - Credit Union Regulatory Improvements Act - To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, and for other purposes. Community Reinvestment Act, opposing efforts to include credit unions under CRA. H.R. 5519 Credit Union Regulatory Relief Act of 2008 To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H.R. 6312 Credit Union, Bank and Thrift, Regulatory Relief Act of 2008 (Bill combines H.R. 5519 with H.R. 5841) To advance credit union efforts to promote economic growth, modify credit union regulatory standards and reduce burdens, to provide regulatory relief and improve productivity for insured depository institutions, and for other purposes. Permits a credit union to invest in securities for its own account, subject to certain percentage limitations; and increases the investment and lending limit to credit union service organizations from 1% to 3% of a credit unions total paid and unimpaired capital and surplus. H. Res. 1145 - Recognizing the 100 year anniversary of the establishment of St. Mary's Cooperative Credit Association, the `Bank of the People', and the birth of the American credit union. Nomination of Michael Fryzel for the Board of the National Credit Union Administration didnt support or oppose nomination, just tracked the process and timing

Client expense: Not reported · Firm income: $45,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5958 -- Homeowner Opportunity Act of 2008 (Provisions Relating to Extension of increased GSE Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits)

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

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

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization; Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization, The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767).

Client expense: $304,881 · Firm income: Not reported

Government targets: Air Force, Dept of, Army, Dept of (Other), Council of Economic Advisers (CEA), Defense Finance & Accounting Service (DFAS), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Navy, Dept of, 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

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); Gulf Coast Hurricane Housing Recovery Act of 2007 (HR. 1227); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization, The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767).

Client expense: $304,881 · Firm income: Not reported

Government targets: Air Force, Dept of, Army, Dept of (Other), Council of Economic Advisers (CEA), Defense Finance & Accounting Service (DFAS), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Navy, Dept of, 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

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

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

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

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

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

Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 1537, Credit Union Regulatory Improvements Act, all provisions; H.R. 41, Business Checking Fairness Act of 2007, all provisions; H.R. 946, Consumer Overdraft Protection Practices Act; H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions; H.R. 1427, Federal Housing Finance Reform Act, all provisions; S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions; H.R. 1852, Expanding Homeownership Act, all provisions; S. 2338, FHA Modernization Act; H.R. 1289, Community Reinvestment Modernization Act, all provisions; H.R. 323, Seasoned Customer CTR Exemption Act, all provisions; H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions; H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions; H.R. 5519, Credit Union Regulatory Relief Act, all provisions; H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions; H.R. 5140, Economic Stimulus Act of 2008, Title II; H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions; H.R. 6312 CUBTRRA, Title I, Title II (sections 202, 204), Title III, Title IV (section 405); S. 2957 CURIA, all provisions; S. 3086, Credit Card Fair Fee Act, all provisions.

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

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