Catastrophe Savings Accounts Act of 2007

HR 164, S 926 Policyholder Disaster Protection Act of 2007; HR 330 Homeowners Insurance Availability Act; HR 1787 and S 927 Catastrophic Savings Accounts; HR 91, S 928 Homeowners Protection Act of 2007; HR 537, HR 3644, S 292, S 2286 bills to create a Commission of Catastrophic Risk and Insurance; HR 3355, S 2310 Homeowners Defense Act of 2007, S 2327 Homeowners Insurance Assistance Act; S 2328 Property Mitigation Assistance Act; On all these bills our interest is for Congress to determine the most appropriate method and level of involvement for the federal government in response to insurance protection issues for natural disasters. Specifically, we support the creation of a federal Commission to further study the issue, and efforts that encourage greater mitigation of disaster risks. We have concerns about too much federal interference with the private marketplace.

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

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

Insurance Regulation issues including: S.40 National Insurance Act of 2007 H.R.3200 National Insurance Act of 2007 S.929 Non-admitted and Reinsurance Reform Act of 2007 Insurance Regulation issues continued: H.R.1065 - Non-admitted and Reinsurance Reform Act of 2007 H.R.5611 National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840 Insurance Information Act of 2008 H.R.5792 Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/Flood Insurance issues including: S.292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S.2286 Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.3644 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330 Homeowners Insurance Availability Act of 2007 S.927 Catastrophe Savings Accounts Act of 2007 H.R.1787 Catastrophe Savings Accounts Act of 2007 H.R.91 Homeowners Insurance Protection Act of 2007 S.928 Homeowners Protection Act of 2007 H.R.920 Multiple Peril Insurance Act of 2007 H.R.164 - Policyholder Disaster Protection Act of 2007 S.926 - Policyholder Disaster Protection Act of 2007 S.2328 - Property Mitigation Assistance Act of 2007 H.R.3355 Homeowners Defense Act of 2007 S.2310 - Homeowners' Defense Act of 2007 S.2327 - Homeowners Insurance Assistance Act of 2007 H.R.3121 Flood Insurance Reform and Modernization Act of 2007 S.2284 - Flood Insurance Reform and Modernization Act of 2007 H.R.922-National Flood Insurance Program Participation Evaluation Act of 2007 S.1890 Flood Insurance Choice Act of 2007 H.R.1682 Flood Insurance Reform and Modernization Act of 2007 S.1890 - Flood Insurance Choice Act of 2007 H.R.3959 - To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061 - Homeowners' Insurance Noncoverage Disclosure Act H.R.2638 Consolidated Security, Disaster Assistance and Continuing Appropriations Act of 2009 (NFIP extension) Auto issues including: S.545 - Passenger Vehicle Loss Disclosure Act H.R.2811 - Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549 Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963 - Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558 Mental Health Parity Act of 2007 H.R.1424 To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 TRICARE issues Underwriting issues including: H.R.5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062 Personal Lines of Insurance Fairness Act H.R.3056 The Social Security Number Privacy and Identity Theft Prevention Act S.3001 Duncan Hunter National Defense Authorization Act for FY09 S.AMDT.5466 Prohibition on Discrimination in Life Insurance

Client expense: $690,000 · Firm income: Not reported

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

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, The COMPETE Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Discussions of reform of Anti-Money-Laundering programs. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Prepared for meeting with Senate staff on the health of the industry, housing and FDIC. Fannie Mae and Freddie Mac preferred stock issues. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008 H.R. 7326, the Systematic Foreclosure Prevention and Mortgage Modification Act (to establish a systematic mortgage modification program at the FDIC) (all provisions)

Client expense: $1,930,000 · Firm income: Not reported

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

S. 40, the National Insurance Act (all provisions) S. 926, the Policyholder Disaster Protection Act of 2007 (allowing insurance companies to make tax deductible contributions to a tax-exempt policyholder disaster protection fund) S. 928, the Homeowners Protection Act of 2007 (creating a federal backstop for state natural catastrophe insurance programs) S. 929, the Nonadmitted and Reinsurance Reform Act (all provisions) S. 930, the Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) S. 931, the National Hurricane Research Initiative Act of 2007 (all provisions) S. 2047, the Flood Insurance Disclosure Act of 2007 (all provisions) S. 2284, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) S. 2327, the Homeowners Insurance Assistance Act of 2007 (all provisions) H.R. 1065, the Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 1682, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 2895, the National Affordable Housing Trust Fund Act of 2007 (all provisions) H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 3162, Childrens Health and Medicare Protection Act of 2007 (revenue-offset tax provisions) H.R. 3200, the National Insurance Act of 2007 (all provisions to create an optional federal insurance charter) H.R. 3355, the Homeowners Defense Act of 2007 (all provisions) H.R. 3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties (all provisions) H.R. 5611, the National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions) H.R. 5792, the Increasing Insurance Coverage Options for Consumers Act of 2008 (all provisions) H.R. 5840, the Insurance Information Act of 2008 (all provisions)

Client expense: $1,930,000 · Firm income: Not reported

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

H.R. 1212, H.R. 164, H.R. 1787, H.R. 1832, H.R. 2407, H.R. 3355, H.R. 3644, H.R. 537, H.R. 846, H.R. 913, S. 2286, S. 2310, S. 2327, S. 2328, S. 292, S. 538, S. 690, S. 926, S. 927, S. 928, S. 930, S. 931

Client expense: $454,203 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Congressional Budget Office (CBO), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

See Addendum HR 1065 Nonadmitted and Reinsurance Reform Act of 2007 HR 1081 Insurance Industry Competition Act of 2007 HR 1682 Flood Insurance Reform and Modernization Act of 2007 HR 1787 Catastrophe Savings Accounts Act of 2007 HR 2639 Promoting Health for Future Generations Act of 2007 HR 2761 Terrorism Risk Insurance Revision and Extension Act of 2007 HR 3163 Healthy Americans Act HR 3200 National Insurance Act HR 3355 Homeowners Defense Act HR 5719, the Taxpayer Assistance and Simplification Act of 2008 S 40 National Insurers Act S 334 Healthy Americans Act S 618 Insurance Industry Competition Act of 2007 S 927 Catastrophe Savings Accounts Act of 2007 S 929 Nonadmitted and Reinsurance Reform Act of 2007 S 1224 Children's Health Insurance Program (CHIP) Reauthorization Act of 2007 S 1865 Life Insurance Fairness for Travelers Act of 2007 HSA Regulations, Notice 2007-22, NPRM REG-143797-06 Implementing regulations for Public Law no.106-102: Gramm-Leach-Bliley Financial Modernization Act of 1999 Title V: Title III: 1. Privacy Provisions of Title V 2. Consumer Protections for Bank Sales of Insurance under Title III 3. Support of Federal preemption under Title V and the National Bank Act of state laws restricting sales of insurance by banks 4. Disclosure rules for Fixed Annuities under Title V Implementing Regulations for Public Law 108-159: The Fair and Accurate Transactions Act of 2003, Section 411. Implementing Regulation for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts.

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

Government targets: Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC)

See Addendum HR 1065 Nonadmitted and Reinsurance Reform Act of 2007 HR 1081 Insurance Industry Competition Act of 2007 HR 1682 Flood Insurance Reform and Modernization Act of 2007 HR 1787 Catastrophe Savings Accounts Act of 2007 HR 2639 Promoting Health for Future Generations Act of 2007 HR 2761 Terrorism Risk Insurance Revision and Extension Act of 2007 HR 3163 Healthy Americans Act HR 3200 National Insurance Act HR 3355 Homeowners Defense Act HR 5719, the Taxpayer Assistance and Simplification Act of 2008 S 40 National Insurers Act S 334 Healthy Americans Act S 618 Insurance Industry Competition Act of 2007 S 927 Catastrophe Savings Accounts Act of 2007 S 929 Nonadmitted and Reinsurance Reform Act of 2007 S 1224 Children's Health Insurance Program (CHIP) Reauthorization Act of 2007 S 1865 Life Insurance Fairness for Travelers Act of 2007 HSA Regulations, Notice 2007-22, NPRM REG-143797-06 Implementing regulations for Public Law no.106-102: Gramm-Leach-Bliley Financial Modernization Act of 1999 Title V: Title III: 1. Privacy Provisions of Title V 2. Consumer Protections for Bank Sales of Insurance under Title III 3. Support of Federal preemption under Title V and the National Bank Act of state laws restricting sales of insurance by banks 4. Disclosure rules for Fixed Annuities under Title V Implementing Regulations for Public Law 108-159: The Fair and Accurate Transactions Act of 2003, Section 411. Implementing Regulation for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts.

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

Government targets: Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC)

Catastrophe Savings Accounts: S. 927 - Catastrophe Savings Accounts Act of 2007 H.R 1787 - Catastrophe Savings Accounts Act of 2007 Health Insurance Tax Deductions for Small Businesses: H.R. 3660 - Equity for Our Nation's Self Employed Act of 2007 S. 2339 - Equity for Our Nation's Self Employed Act of 2007 H.R. 914 - Tax Equity & Affordability Act of 2007 Alternative Minimum Tax: H.R. 1366/S. 55 - Individual Alternative Minimum Tax Repeal Act of 2007 H.R. 6275 - Alternative Minimum Tax Relief Act of 2008 H.R. 7005 - Alternative Minimum Tax Relief Act of 2008 Small Business Tax Deductions: H.R. 976 - Small Business Tax Relief Act of 2007 Tax Treatment of Passive Income from Partnerships: H.R. 2834 - To amend the Internal Revenue Code of 1986 to treat income received by partners for performing investment management services as ordinary income received for the performance of services. S. 1624 / H.R. 2785 - To amend the Internal Revenue Code of 1986 to provide that the exception from the treatment of publicly traded partnerships as corporations for partnerships with passive-type income shall not apply to partnerships directly or indirectly deriving income from providing investment adviser and related asset management services. Tax Treatment of Environmental Remediation Costs: H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code. Taxation of Property Depreciation: H.R. 2014 - Leasehold Improvement Depreciation Act of 2007 Homeownership Tax Credits: S. 2566 - A bill to amend the Internal Revenue Code of 1986 to provide a Federal income tax credit for certain home purchases. Energy Tax Credits: H.R. 5351 - Renewable Energy and Energy Conservation Tax Act of 2008 H.R. 6049 - Energy and Tax Extenders Act of 2008

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

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

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

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

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

HR 164, S 926 Policyholder Disaster Protection Act of 2007; HR 330 Homeowners Insurance Availability Act; HR 1787 and S 927 Catastrophic Savings Accounts; HR 91, S 928 Homeowners Protection Act of 2007; HR 537, HR 3644, S 292, S 2286 bills to create a Commission of Catastrophic Risk and Insurance; HR 3355, S 2310 Homeowners Defense Act of 2007, S 2327 Homeowners Insurance Assistance Act; S 2328 Property Mitigation Assistance Act; On all these bills our interest is for Congress to determine the most appropriate method and level of involvement for the federal government in response to insurance protection issues for natural disasters. Specifically, we support the creation of a federal Commission to further study the issue, and efforts that encourage greater mitigation of disaster risks. We have concerns about too much federal interference with the private marketplace.

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

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

H.R. 1212 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions H.R. 164 - Policyholder Disaster Protection Act of 2007 - All provisions H.R. 1787 - Catastrophe Savings Accounts Act of 2007 - All provisions H.R. 1832 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 2407 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 537 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions H.R. 846 - Emergency and Disaster Assistance Fraud Penalty Enhancement Act of 2007 - All provisions H.R. 913 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions H.R. 3355 - Homeowners' Defense Act of 2007 - All provisions H.R. 3644 - A bill to establish a nonpartisan Commission on Natural Catastrophe Risk Management and Insurance, and for other purposes - All provisions S. 292 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions S. 538 - Work, Hope and Opportunity for the Disaster Area Today Act - All provisions S. 690 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions S. 926 - Policyholder Disaster Protection Act of 2007 - All provisions S. 927 - Catastrophe Savings Accounts Act of 2007 - All provisions S. 928 - Homeowners Protection Act of 2007 - All provisions S. 930 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions S. 931 - National Hurricane Research Initiative Act of 2007 - All provisions S. 2286 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 - All provisions S. 2310 - A bill to establish a national catastrophic risks consortium and a national homeowners' insurance stabilization program - All provisions S. 2327 - A bill to amend the Internal Revenue Code of 1986 to provide a credit against tax for increased homeowners insurance premiums suffered by certain coastal homeowners or resulting from hurricane events - All provisions S. 2328 - A bill to establish a homeowner mitigation loan program within the Federal Emergency Management Agency to promote pre-disaster mitigation measures - All provisions H.R. 1525 - Internet Spyware (I-Spy) Prevention Act of 2007 - All provisions H.R. 6308 - Municipal Bond Fairness Act - All provisions H.R. 964 - SPY Act - All provisions S. 1260 - Data Security Act of 2007 - All provisions S. 1265 - Counter Spy Act - All provisions

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

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

S. 40/ H.R. 3200, National Insurance Act (Entire bill) S. 929/ H.R. 1065, Nonadmitted and Reinsurance Reform Act of 2007 (Entire bill) S. 618/ H.R. 1081, Insurnace Industry Competition Act of 2007 (Entire bill) S. 742. H.R. 2385, Ban Asbestos in America Act of 2007 (Entire bill) H.R. 91, The Homeowners Insurance Protection Act of 2007 (Entire bill) H.R. 164/ S. 926, the Policyholder Disaster Protection act of 2007 (Entire bill) H.R. 330, The Homeowners Insurance Availability Act of 2007 (Entire bill) H.R. 537/ S. 292, The commission on Catastrophic Disaster Risk (Entire bill) H.R. 913, The Hurricane and Tornado Mitigation Investment Act of 2007 (Entire bill) H.R. 920, The Multiple Peril Insurance Act of 2007 (Entire bill) H.R. 1682, Flood Insurance Reform and Modernization Act of 2007 (Entire bill) H.R. 1852, Expanding American Homeownership Act of 2007 (Entire bill) H.R. 1787/ S. 927, Catastrophe Savings Account Act (Entire bill) H.R. 3121, Flood Insurance reform and Modernization Act (Entire bill) H.R. 3355/ S. 2310, Homeowners Defense Act (Entire bill) S. 1061, Homeowners Insurance Noncoverage Disclosure Act (Entire bill) S. 1890, Flood Insurance Choice act (Entire bill) S. 2047, Flood Insurance Disclosure act (Entire bill) S. 2286/ H.R. 3644, Commission on Natural Catastrophic Risk Management and Insurance Act (Entire bill) S. 2284, Flood Insurance Reform and Modernization Act (Entire bill) S. 2327, Homeowners Assistance Act (Entire bill) S. 2338/ H.R. 6424, Property Mitigation Assistance Act (Entire bill) S. 2458/ H.R. 4461, Community Building Code Administration Grant Act (Entire bill) H.R. 1746, Holocaust Insurance Accountability Act (Entire bill) H.R. 5633, Non-discriminatory Use of Consumer Reports and Consumer Information Act (Entire bill) H.R. 5611, National Association of Registered agents and Brokers Reform Act of 2008 (Entire bill) H.R. 5840, Insurance Information Act (Entire bill) H.r. 5792, Increasing Insurance Coverage Options for Consumers Act (Entire bill) H.R. 6062, Personal lines of Insurance Fairness Act (Entire bill) H.R. 6213, Reinsurance International Solvency Standards Evaluation Board Act (Entire bill) H.R. 1424, The Emergency Economic Stabilization Act (Sec. 3, Sec. 303) H.R. 3339/ H.R. 6903, Bruce Vento Ban asbestos and Prevent Mesothelioma act (Entire bill) H.R. 2638, Consolidated Security, Disaster Assistance and Continuing Appropriations act of 2009 (Sec. 145)

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Insurance regulation issues including: Emergency Economic Stabilization Act H.R.3200, National Insurance Act of 2007; S.40, National Insurance Act of 2007 S.929 and H.R.1065, Non-admitted and Reinsurance Reform Act of 2007 Insurance regulation issues (continued); H.R.5611, National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840, Insurance Information Act of 2008 H.R.5792, Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/flood issues including: S.292, Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537, Commission on Catastrophic Disaster risk and Insurance Act of 2007 S.2286, Commission on Natural Catastrophe Risk management and Insurance Act of 2007 H.R.3644, Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330, Homeowners Insurance Availability Act of 2007 S.927, Catastrophe Savings Account Act of 2007 H.R.1787, Catastrophe Savings Account Act of 2007 H.R.91, Homeowners Insurance Protection Act of 2007 S.928, Homeowners Protection Act of 2007 H.R.920, Multiple Peril Insurance Act of 2007 H.R.164 and S.926, Policyholder Disaster Protection Act of 2007 S.2328, Property Mitigation Assistance Act of 2007 H.R.2327, Homeowners Insurance Assistance Act of 2007 H.R.3355 and S.2310, Homeowners Defense Act of 2007 H.R.3121 and S.2284, Flood Insurance Reform and Modernization Act of 2007 H.R.922, National Flood Insurance Program Participation Evaluation Act of 2007 S.1890, Flood Insurance Choice Act of 2007 H.R.1682, Flood Insurance Reform and Modernization Act of 2007 H.R.3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061, Homeowners' Insurance Noncoverage Disclosure Act Auto issues including: S.545 and H.R.2811, Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963, Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558, Mental Health Parity Act of 2007 H.R.1424, To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 Underwriting issues including: H.R.5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062, Personal Lines of Insurance Fairness Act H.R.3056, The Social Security Number Privacy and Identify Theft Prevention Act

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

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

H.R. 164; S. 926 Policyholder Disaster Protection Act of 2007 (all provisions) H.R. 46 Small Business Tax Fairness and Simplification Act of 2007 (all provisions) H.R. 3362 Tax Fairness for Small Businesses Act of 2007 (all provisions) H.R. 1787; S. 927 Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 913; S. 930 Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) Estate Tax Reform Extension of Income, Capital Gains and Dividend Tax Reforms H.R. 3970 Tax Reduction and Reform Act of 2007 (all provisions) H.R. 3997; H.R. 1424 Emergency Economic Stabilization Act (all provisions)

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

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

Insurance Regulation issues including: S.40 National Insurance Act of 2007 H.R.3200 National Insurance Act of 2007 S.929 Non-admitted and Reinsurance Reform Act of 2007 Insurance Regulation issues continued: H.R.1065 - Non-admitted and Reinsurance Reform Act of 2007 H.R.5611 National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840 Insurance Information Act of 2008 H.R.5792 Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/Flood Insurance issues including: S.292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S.2286 Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.3644 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330 Homeowners Insurance Availability Act of 2007 S.927 Catastrophe Savings Accounts Act of 2007 H.R.1787 Catastrophe Savings Accounts Act of 2007 H.R.91 Homeowners Insurance Protection Act of 2007 S.928 Homeowners Protection Act of 2007 H.R.920 Multiple Peril Insurance Act of 2007 H.R.164 - Policyholder Disaster Protection Act of 2007 S.926 - Policyholder Disaster Protection Act of 2007 S.2328 - Property Mitigation Assistance Act of 2007 H.R.3355 Homeowners Defense Act of 2007 S.2310 - Homeowners' Defense Act of 2007 S.2327 - Homeowners Insurance Assistance Act of 2007 H.R.3121 Flood Insurance Reform and Modernization Act of 2007 S.2284 - Flood Insurance Reform and Modernization Act of 2007 H.R.922-National Flood Insurance Program Participation Evaluation Act of 2007 S.1890 Flood Insurance Choice Act of 2007 H.R.1682 Flood Insurance Reform and Modernization Act of 2007 S.1890 - Flood Insurance Choice Act of 2007 H.R.3959 - To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061 - Homeowners' Insurance Noncoverage Disclosure Act H.R.2638 Consolidated Security, Disaster Assistance and Continuing Appropriations Act of 2009 (NFIP extension) Auto issues including: S.545 - Passenger Vehicle Loss Disclosure Act H.R.2811 - Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549 Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963 - Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558 Mental Health Parity Act of 2007 H.R.1424 To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 TRICARE issues Underwriting issues including: H.R.5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062 Personal Lines of Insurance Fairness Act H.R.3056 The Social Security Number Privacy and Identity Theft Prevention Act S.3001 Duncan Hunter National Defense Authorization Act for FY09 S.AMDT.5466 Prohibition on Discrimination in Life Insurance

Client expense: $980,000 · Firm income: Not reported

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

See Addendum HR 1065 Nonadmitted and Reinsurance Reform Act of 2007 HR 1081 Insurance Industry Competition Act of 2007 HR 1682 Flood Insurance Reform and Modernization Act of 2007 HR 1787 Catastrophe Savings Accounts Act of 2007 HR 2639 Promoting Health for Future Generations Act of 2007 HR 2761 Terrorism Risk Insurance Revision and Extension Act of 2007 HR 3163 Healthy Americans Act HR 3200 National Insurance Act HR 3355 Homeowners Defense Act HR 5719, the Taxpayer Assistance and Simplification Act of 2008 S 40 National Insurers Act S 334 Healthy Americans Act S 618 Insurance Industry Competition Act of 2007 S 927 Catastrophe Savings Accounts Act of 2007 S 929 Nonadmitted and Reinsurance Reform Act of 2007 S 1224 Children's Health Insurance Program (CHIP) Reauthorization Act of 2007 S 1865 Life Insurance Fairness for Travelers Act of 2007 HSA Regulations, Notice 2007-22, NPRM REG-143797-06 Implementing regulations for Public Law no.106-102: Gramm-Leach-Bliley Financial Modernization Act of 1999 Title V: Title III: 1. Privacy Provisions of Title V 2. Consumer Protections for Bank Sales of Insurance under Title III 3. Support of Federal preemption under Title V and the National Bank Act of state laws restricting sales of insurance by banks 4. Disclosure rules for Fixed Annuities under Title V Implementing Regulations for Public Law 108-159: The Fair and Accurate Transactions Act of 2003, Section 411. Implementing Regulation for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts.

Client expense: $44,217 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

See Addendum HR 1065 Nonadmitted and Reinsurance Reform Act of 2007 HR 1081 Insurance Industry Competition Act of 2007 HR 1682 Flood Insurance Reform and Modernization Act of 2007 HR 1787 Catastrophe Savings Accounts Act of 2007 HR 2639 Promoting Health for Future Generations Act of 2007 HR 2761 Terrorism Risk Insurance Revision and Extension Act of 2007 HR 3163 Healthy Americans Act HR 3200 National Insurance Act HR 3355 Homeowners Defense Act HR 5719, the Taxpayer Assistance and Simplification Act of 2008 S 40 National Insurers Act S 334 Healthy Americans Act S 618 Insurance Industry Competition Act of 2007 S 927 Catastrophe Savings Accounts Act of 2007 S 929 Nonadmitted and Reinsurance Reform Act of 2007 S 1224 Children's Health Insurance Program (CHIP) Reauthorization Act of 2007 S 1865 Life Insurance Fairness for Travelers Act of 2007 HSA Regulations, Notice 2007-22, NPRM REG-143797-06 Implementing regulations for Public Law no.106-102: Gramm-Leach-Bliley Financial Modernization Act of 1999 Title V: Title III: 1. Privacy Provisions of Title V 2. Consumer Protections for Bank Sales of Insurance under Title III 3. Support of Federal preemption under Title V and the National Bank Act of state laws restricting sales of insurance by banks 4. Disclosure rules for Fixed Annuities under Title V Implementing Regulations for Public Law 108-159: The Fair and Accurate Transactions Act of 2003, Section 411. Implementing Regulation for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts.

Client expense: $44,217 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

S. 40/ H.R. 3200, National Insurance Act (Entire bill) S. 929/ H.R. 1065, Nonadmitted and Reinsurance Reform Act of 2007 (Entire bill) S. 618/ H.R. 1081, Insurance Industry Competition Act of 2007 (Entire bill) S. 742/ H.R. 2385, Ban Asbestos in America Act of 2007 (Entire bill) H.R. 91, The Homeowners Insurance Protection Act of 2007 (Entire bill) H.R. 164/ S. 926, The Poicyholder Disaster Protection Act of 2007 (Entire bill) H.R. 330, The Homeowners Insurance Availability Act of 2007 (Entire bill) H.R. 537/ S. 292, The Commission on Catastrophic Disaster Risk (Entire bill) H.R. 913, The Hurricane and Tornado Mitigation Investment Act of 2007 (Entire bill) H.R. 920, The Multiple Peril insurance Act of 2007 (Entire bill) H.R. 1682, Flood Insurance Reform and Modernization Act of 2007 (Entire bill) H.R. 1852, Expanding American Homeownership Act of 2007 (Entire bill) H.R. 1787/ S. 927, Catastrophe Savings Account Act (Entire bill) H.R. 3121, Flood Insurance Reform and Modernization Act (Entire bill) H.R. 3355/ S. 2310, Homeowners Defense Act (Entire bill) S. 1061, Homeowners Insurance Noncoverage Disclosure Act (Entire bill) S. 1890, Flood Insurance Choice Act (Entire bill) S. 2047, Flood Insurance Disclosure Act (Entire bill) S. 2286/ H.R. 3644, Commission on Natural Catastrophic Risk Management and Insurance Act (Entire bill) S. 2284, Flood Insurance Reform and Modernization Act (Entire bill) S. 2327, Homeowners Assistance Act (Entire bill) S. 2338/ H.R. 6424, Property Mitigation Assistance Act (Entire bill) S. 2458/ H.r. 4461, Community Building Code Administration Grant Act (Entire bill) H.R. 4721, Terrorism Risk Insurance Improvement Act (Entire bill) H.R. 1746, Holocaust Insurance Accountability Act (Entire bill) H.R. 5633, Non-discriminatory Use of Consumer Reports and Consumer Information Act (Entire bill) H.R. 5611, National Association of Registered Agents and Brokers Reform Act of 2008 (Entire bill) H.R. 5840, Insurance Information Act (Entire bill) H.R. 5792, Increasing Insurance Coverage Options for Consumers Act (Entire bill) H.R. 6062, Personal Lines of Insurance Fairness Act (Entire bill) H.R. 6213, Reinsurance International Solvency Standareds Evaluation Board Act (Entire bill) H.R. 1424, The Emergency Economic Stabilization Act (Entire bill) H.R. 3339/ H.R. 6903, Bruce Vento Ban Asbestos and Prevent Mesothelioma Act (Entire bill) H.R. 2638, Consolidated Security, Disaster Assistance and Continuing Appropriations Act of 2009 (Sec. 145)

Client expense: $480,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Council of Economic Advisers (CEA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Insurance regulation issues including: S.40, National Insurance Act of 2007 H.R.3200, National Insurance Act of 2007 S.929 and H.R.1065, Non-admitted and Reinsurance Reform Act of 2007 Insurance regulation issues (continued); H.R.5611, National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840, Insurance Information Act of 2008 H.R.5792, Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/flood issues including: S.292, Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537, Commission on Catastrophic Disaster risk and Insurance Act of 2007 S.2286, Commission on Natural Catastrophe Risk management and Insurance Act of 2007 H.R.3644, Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330, Homeowners Insurance Availability Act of 2007 S.927, Catastrophe Savings Account Act of 2007 H.R.1787, Catastrophe Savings Account Act of 2007 H.R.91, Homeowners Insurance Protection Act of 2007 S.928, Homeowners Protection Act of 2007 H.R.920, Multiple Peril Insurance Act of 2007 H.R.164 and S.926, Policyholder Disaster Protection Act of 2007 S.2328, Property Mitigation Assistance Act of 2007 H.R.2327, Homeowners Insurance Assistance Act of 2007 H.R.3355 and S.2310, Homeowners Defense Act of 2007 H.R.3121 and S.2284, Flood Insurance Reform and Modernization Act of 2007 H.R.922, National Flood Insurance Program Participation Evaluation Act of 2007 S.1890, Flood Insurance Choice Act of 2007 H.R.1682, Flood Insurance Reform and Modernization Act of 2007 H.R.3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061, Homeowners' Insurance Noncoverage Disclosure Act Auto issues including: S.545 and H.R.2811, Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963, Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558, Mental Health Parity Act of 2007 H.R.1424, To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 Underwriting issues including: H.R.5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062, Personal Lines of Insurance Fairness Act H.R.3056, The Social Security Number Privacy and Identify Theft Prevention Act

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

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

HR164, HR537, HR846, HR913, HR1787, HR1832, HR2407, HR3355, HR3644, S292, S538, S690, S926, S927, S928, S929, S930, S931, S2286, S2310, S2327, S2328

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

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

H.R. 1212 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions H.R. 164 - Policyholder Disaster Protection Act of 2007 - All provisions H.R. 1787 - Catastrophe Savings Accounts Act of 2007 - All provisions H.R. 1832 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 2407 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 537 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions H.R. 846 - Emergency and Disaster Assistance Fraud Penalty Enhancement Act of 2007 - All provisions H.R. 913 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions H.R. 3355 - Homeowners' Defense Act of 2007 - All provisions H.R. 3644 - A bill to establish a nonpartisan Commission on Natural Catastrophe Risk Management and Insurance, and for other purposes - All provisions H.R. 6285 - To amend the National Flood Insurance Act of 1968 to provide for adequate progress on the construction of a flood protection system to include the appropriation of at least 60 percent of the sytem cost from Federal, State or local funds - All provisions S. 292 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions S. 538 - Work, Hope and Opportunity for the Disaster Area Today Act - All provisions S. 690 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions S. 926 - Policyholder Disaster Protection Act of 2007 - All provisions S. 927 - Catastrophe Savings Accounts Act of 2007 - All provisions S. 928 - Homeowners Protection Act of 2007 - All provisions S. 930 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions S. 931 - National Hurricane Research Initiative Act of 2007 - All provisions S. 929 - Non-admitted and Reinsurance Reform Act of 2007 - All provisions S. 2286 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 - All provisions S. 2310 - A bill to establish a national catastrophic risks consortium and a national homeowners' insurance stabilization program - All provisions S. 2327 - A bill to amend the Internal Revenue Code of 1986 to provide a credit against tax for increased homeowners insurance premiums suffered by certain coastal homeowners or resulting from hurricane events - All provisions S. 2328 - A bill to establish a homeowner mitigation loan program within the Federal Emergency Management Agency to promote pre-disaster mitigation measures - All provisions

Client expense: $940,000 · Firm income: Not reported

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

Catastrophe Savings Accounts: S. 927 - Catastrophe Savings Accounts Act of 2007 H.R 1787 - Catastrophe Savings Accounts Act of 2007 Health Insurance Tax Deductions for Small Businesses: H.R. 3660 - Equity for Our Nation's Self Employed Act of 2007 S. 2339 - Equity for Our Nation's Self Employed Act of 2007 H.R. 914 - Tax Equity & Affordability Act of 2007 Alternative Minimum Tax: H.R. 1366/S. 55 - Individual Alternative Minimum Tax Repeal Act of 2007 H.R. 6275 - Alternative Minimum Tax Relief Act of 2008 H.R. 7005 - Alternative Minimum Tax Relief Act of 2008 Small Business Tax Deductions: H.R. 976 - Small Business Tax Relief Act of 2007 Tax Treatment of Passive Income from Partnerships: H.R. 2834 - To amend the Internal Revenue Code of 1986 to treat income received by partners for performing investment management services as ordinary income received for the performance of services. S. 1624 / H.R. 2785 - To amend the Internal Revenue Code of 1986 to provide that the exception from the treatment of publicly traded partnerships as corporations for partnerships with passive-type income shall not apply to partnerships directly or indirectly deriving income from providing investment adviser and related asset management services. Tax Treatment of Environmental Remediation Costs: H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code. Taxation of Property Depreciation: H.R. 2014 - Leasehold Improvement Depreciation Act of 2007 H.R. 3996 - Temporary Tax Relief Act of 2007 Homeownership Tax Credits: H.R.3221 - Foreclosure Prevention Act of 2008 (Sections pertaining to Homeownership Tax Credit) S. 2566 - A bill to amend the Internal Revenue Code of 1986 to provide a Federal income tax credit for certain home purchases. Energy Tax Credits: H.R. 5351 - Renewable Energy and Energy Conservation Tax Act of 2008 H.R. 6049 - Energy and Tax Extenders Act of 2008 Other Issues: Like-kind Exchange: H.R. 2419 -- Farm Bill Extension Act of 2007 Foreign Investors in Real Property Provisions: H.R. 3221 - Foreclosure Prevention Act of 2008 (Provisions pertaining to foriegn investment in real estate)

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

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

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

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

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

S. 40, the National Insurance Act (all provisions) S. 926, the Policyholder Disaster Protection Act of 2007 (allowing insurance companies to make tax deductible contributions to a tax-exempt policyholder disaster protection fund) S. 928, the Homeowners Protection Act of 2007 (creating a federal backstop for state natural catastrophe insurance programs) S. 929, the Nonadmitted and Reinsurance Reform Act (all provisions) S. 930, the Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) S. 931, the National Hurricane Research Initiative Act of 2007 (all provisions) S. 2047, the Flood Insurance Disclosure Act of 2007 (all provisions) S. 2284, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) S. 2327, the Homeowners Insurance Assistance Act of 2007 (all provisions) H.R. 1065, the Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 1682, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 2895, the National Affordable Housing Trust Fund Act of 2007 (all provisions) H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 3162, Childrens Health and Medicare Protection Act of 2007 (revenue-offset tax provisions) H.R. 3200, the National Insurance Act of 2007 (all provisions to create an optional federal insurance charter) H.R. 3355, the Homeowners Defense Act of 2007 (all provisions) H.R. 3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties (all provisions) H.R. 5611, the National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions) H.R. 5792, the Increasing Insurance Coverage Options for Consumers Act of 2008 (all provisions) H.R. 5840, the Insurance Information Act of 2008 (all provisions)

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

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

HR 164, S 926 Policyholder Disaster Protection Act of 2007; HR 330 Homeowners Insurance Availability Act; HR 1787 and S 927 Catastrophic Savings Accounts; HR 91, S 928 Homeowners Protection Act of 2007; HR 537, HR 3644, S 292, S 2286 bills to create a Commission of Catastrophic Risk and Insurance; HR 3355, S 2310 Homeowners Defense Act of 2007, S 2327 Homeowners Insurance Assistance Act; S 2328 Property Mitigation Assistance Act; On all these bills our interest is for Congress to determine the most appropriate method and level of involvement for the federal government in response to insurance protection issues for natural disasters. Specifically, we support the creation of a federal Commission to further study the issue, and efforts that encourage greater mitigation of disaster risks. We have concerns about too much federal interference with the private marketplace.

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

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

H.R. 164; S. 926 Policyholder Disaster Protection Act of 2007 (all provisions) H.R. 46 Small Business Tax Fairness and Simplification Act of 2007 (all provisions) H.R. 3362 Tax Fairness for Small Businesses Act of 2007 (all provisions) H.R. 1787; S. 927 Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 913; S. 930 Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) Estate Tax Reform Extension of Income, Capital Gains and Dividend Tax Reforms H.R. 3970 Tax Reduction and Reform Act of 2007 (all provisions) H.R. 3997; H.R. 1424 Emergency Economic Stabilization Act (all provisions)

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

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

Insurance Regulation issues including: S.40 - National Insurance Act of 2007 H.R.3200 - National Insurance Act of 2007 S.929 - Non-admitted and Reinsurance Reform Act of 2007 Insurance Regulation issues continued: H.R.1065 - Non-admitted and Reinsurance Reform Act of 2007 H.R.5611 National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840 Insurance Information Act of 2008 H.R.5792 Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/Flood issues including: S.292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S.2286 Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.3644 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330 Homeowners Insurance Availability Act of 2007 S.927 Catastrophe Savings Accounts Act of 2007 H.R.1787 Catastrophe Savings Accounts Act of 2007 H.R.91 Homeowners Insurance Protection Act of 2007 S.928 Homeowners Protection Act of 2007 H.R.920 Multiple Peril Insurance Act of 2007 H.R.164 - Policyholder Disaster Protection Act of 2007 S.926 - Policyholder Disaster Protection Act of 2007 S.2328 - Property Mitigation Assistance Act of 2007 H.R.3355 Homeowners Defense Act of 2007 S.2310 - Homeowners' Defense Act of 2007 S.2327 - Homeowners Insurance Assistance Act of 2007 H.R.3121 Flood Insurance Reform and Modernization Act of 2007 S.2284 - Flood Insurance Reform and Modernization Act of 2007 H.R.922-National Flood Insurance Program Participation Evaluation Act of 2007 S.1890 Flood Insurance Choice Act of 2007 H.R.1682 Flood Insurance Reform and Modernization Act of 2007 S.1890 - Flood Insurance Choice Act of 2007 H.R.3959 - To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061 - Homeowners' Insurance Noncoverage Disclosure Act Auto issues including: S.545 - Passenger Vehicle Loss Disclosure Act H.R.2811 - Passenger Vehicle Loss Disclosure Act McCarran Ferguson issues including: S.618 Insurance Industry Competition Act of 2007 H.R.1081 Insurance Industry Competition Act of 2007 Workers Compensation issues including: H.R.2549 Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963 - Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558 Mental Health Parity Act of 2007 H.R.1424 To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 Underwriting issues including: H.R.5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062 Personal Lines of Insurance Fairness Act H.R.3056 The Social Security Number Privacy and Identity Theft Prevention Act

Client expense: $770,000 · Firm income: Not reported

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

Catastrophe Savings Accounts: S. 927 - Catastrophe Savings Accounts Act of 2007 H.R 1787 - Catastrophe Savings Accounts Act of 2007 Health Insurance Tax Deductions for Small Businesses: H.R. 3660 - Equity for Our Nation's Self Employed Act of 2007 S. 2339 - Equity for Our Nation's Self Employed Act of 2007 H.R. 914 - Tax Equity & Affordability Act of 2007 Alternative Minimum Tax: H.R. 1366 - Individual Alternative Minimum Tax Repeal Act of 2007 S. 55 - Individual Alternative Minimum Tax Repeal Act of 2007 Small Business Tax Deductions: H.R. 976 - Small Business Tax Relief Act of 2007 Tax Treatment of Passive Income from Partnerships: H.R. 2834 - To amend the Internal Revenue Code of 1986 to treat income received by partners for performing investment management services as ordinary income received for the performance of services. S. 1624 / H.R. 2785 - To amend the Internal Revenue Code of 1986 to provide that the exception from the treatment of publicly traded partnerships as corporations for partnerships with passive-type income shall not apply to partnerships directly or indirectly deriving income from providing investment adviser and related asset management services. Tax Treatment of Environmental Remediation Costs: H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code. Taxation of Property Depreciation: H.R. 2014 - Leasehold Improvement Depreciation Act of 2007 H.R. 3996 - Temporary Tax Relief Act of 2007 Homeownership Tax Credits: H.R.3221 - Foreclosure Prevention Act of 2008 (Sections pertaining to Homeownership Tax Credit) S. 2566 - A bill to amend the Internal Revenue Code of 1986 to provide a Federal income tax credit for certain home purchases. Energy Tax Credits: H.R. 5351 - Renewable Energy and Energy Conservation Tax Act of 2008 H.R. 6049 - Energy and Tax Extenders Act of 2008 Other Issues: Like-kind Exchange: H.R. 2419 -- Farm Bill Extension Act of 2007 Foreign Investors in Real Property Provisions: H.R. 3221 - Foreclosure Prevention Act of 2008 (Provisions pertaining to foriegn investment in real estate)

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)

H.R.3121, Flood Insurance Reform and Modernization Act of 2007. All Provisions. Restores solvency of the national flood insurance program, program to make available multiperil coverage for damage resulting from windstorms and floods. S.2621, Terrorism Risk Insurance Improvement Act of 2008. All Provisions. Amends the Terrorism Risk Insurance Act of 2002, to temporarily reduce the insurer deductibles for insurers sustaining insured losses from large terrorism events. H.R.1065, The Non-Admitted Reinsurance Act. All Provisions. Streamlines the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R.3355, Homeowners Defense Act of 2007. All Provisions. Ensures the availability and affordability of homeowners' insurance coverage for catastrophic events. S. 292, Commission on Catastrophic Disaster Risk and Insurance Act. All Provisions. A bill to establish a bipartisan commission on insurance reform. S.330, Homeowners' Insurance Availability Act (HIAA). All Provisions. Establishes a Federal program to provide reinsurance to improve the availability of homeowners' insurance. H.R.537, Commission on Catastrophic Disaster Risk and Insurance Act. All Provisions. Establishes a bipartisan commission on insurance reform. S.618, The Insurance Industry Competition Act. All Provisions. A bill to further competition in the insurance industry. H.R.913, The Hurricane and Tornado Mitigation Investment Act. All Provisions. Amends the Internal Revenue Code of 1986 to provide a credit against tax for hurricane and tornado mitigation expenditures. H.R.920, The Multiple Peril Insurance Act. All Provisions. Amends the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes. S.926, The Policyholder Disaster Protection Act. All Provisions. A bill to amend the Internal Revenue Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders' claims arising from future catastrophic events. S.927, Catastrophic Savings Account Act. All Provisions. A bill to amend the Internal Revenue Code of 1986 to create Catastrophe Savings Accounts. S. 928, Homeowners' Insurance Protection Act (HIPA). All Provisions. A bill to establish a program to provide more protection at lower cost through a national backstop for State natural catastrophe insurance programs to help the United States better prepare for and protect its citizens against the ravages of natural catastrophes, to encourage and promote mitigation and prevention for, and recovery and rebuilding from such catastrophes, to better assist in the financial recovery from such catastrophes, and to develop a rigorous process of continuous improvement. H.R.164, The Policyholder Disaster Protection Act. All Provisions. Amends the Internal Revenue Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders' claims arising from future catastrophic events. H.R.91, Homeowners' Insurance Protection Act (HIPA). All Provisions. Establishes a program to provide reinsurance for State natural catastrophe insurance programs to help the United States better prepare for and protect its citizens against the ravages of natural catastrophes, to encourage and promote mitigation and prevention for, and recovery and rebuilding from such catastrophes, and to better assist in the financial recovery from such catastrophes. S. 929, The Non-Admitted Lines and Reinsurance Act. All provisions. A bill to streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. S. 930, The Hurricane and Tornado Mitigation Investment Act. All Provisions. A bill to amend the Internal Revenue Code of 1986 to provide a credit against tax for hurricane and tornado mitigation expenditures. H.R. 1081, The Insurance Industry Competition Act. All Provisions. Furthers competition in the insurance industry. H.R. 1787, Catastrophic Savings Account Act. All Provisions. Amends the Internal Revenue Code of 1986 to create Catastrophe Savings Accounts. S.2047, Flood Insurance Disclosure Act of 2007. All Provisions. Requires enhanced disclosures to consumers purchasing flood insurance. S.2251, Homeowner's Flood Insurance Protection Act of 2007. All Provisions. Requires flood insurance for some w/ updates to flood insurance program rate maps. S.2284, Flood Insurance Modernization Act of 2007.All Provisions. Restores the financial solvency of the flood insurance fund S.2286, Commission on Natural Catastrophe Risk Management and Insurance Act of 2007. All Provisions. Establishes a nonpartisan commission on natural catastrophe risk management and insurance. S.2310, Homeowners' Defense Act of 2007. All Provisions. Seeks to establish a National Catastrophic Risks Consortium and a National Homeowners' Insurance Stabilization Program, and for other purposes. H.R. 3200, National Insurance Act of 2007. All provisions. Authorizes the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes.

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

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

See Addendum HR 1065 Nonadmitted and Reinsurance Reform Act of 2007 HR 1081 Insurance Industry Competition Act of 2007 HR 1682 Flood Insurance Reform and Modernization Act of 2007 HR 1787 Catastrophe Savings Accounts Act of 2007 HR 2639 Promoting Health for Future Generations Act of 2007 HR 2761 Terrorism Risk Insurance Revision and Extension Act of 2007 HR 3163 Healthy Americans Act HR 3200 National Insurance Act HR 3355 Homeowners Defense Act HR 5719, the Taxpayer Assistance and Simplification Act of 2008 S 40 National Insurers Act S 334 Healthy Americans Act S 618 Insurance Industry Competition Act of 2007 S 927 Catastrophe Savings Accounts Act of 2007 S 929 Nonadmitted and Reinsurance Reform Act of 2007 S 1224 Children's Health Insurance Program (CHIP) Reauthorization Act of 2007 S 1865 Life Insurance Fairness for Travelers Act of 2007 HSA Regulations, Notice 2007-22, NPRM REG-143797-06 Implementing regulations for Public Law no.106-102: Gramm-Leach-Bliley Financial Modernization Act of 1999 Title V: Title III: 1. Privacy Provisions of Title V 2. Consumer Protections for Bank Sales of Insurance under Title III 3. Support of Federal preemption under Title V and the National Bank Act of state laws restricting sales of insurance by banks 4. Disclosure rules for Fixed Annuities under Title V Implementing Regulations for Public Law 108-159: The Fair and Accurate Transactions Act of 2003, Section 411. Implementing Regulation for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts.

Client expense: $75,935 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

See Addendum HR 1065 Nonadmitted and Reinsurance Reform Act of 2007 HR 1081 Insurance Industry Competition Act of 2007 HR 1682 Flood Insurance Reform and Modernization Act of 2007 HR 1787 Catastrophe Savings Accounts Act of 2007 HR 2639 Promoting Health for Future Generations Act of 2007 HR 2761 Terrorism Risk Insurance Revision and Extension Act of 2007 HR 3163 Healthy Americans Act HR 3200 National Insurance Act HR 3355 Homeowners Defense Act HR 5719, the Taxpayer Assistance and Simplification Act of 2008 S 40 National Insurers Act S 334 Healthy Americans Act S 618 Insurance Industry Competition Act of 2007 S 927 Catastrophe Savings Accounts Act of 2007 S 929 Nonadmitted and Reinsurance Reform Act of 2007 S 1224 Children's Health Insurance Program (CHIP) Reauthorization Act of 2007 S 1865 Life Insurance Fairness for Travelers Act of 2007 HSA Regulations, Notice 2007-22, NPRM REG-143797-06 Implementing regulations for Public Law no.106-102: Gramm-Leach-Bliley Financial Modernization Act of 1999 Title V: Title III: 1. Privacy Provisions of Title V 2. Consumer Protections for Bank Sales of Insurance under Title III 3. Support of Federal preemption under Title V and the National Bank Act of state laws restricting sales of insurance by banks 4. Disclosure rules for Fixed Annuities under Title V Implementing Regulations for Public Law 108-159: The Fair and Accurate Transactions Act of 2003, Section 411. Implementing Regulation for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts.

Client expense: $75,935 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

S. 40, the National Insurance Act (all provisions) S. 926, the Policyholder Disaster Protection Act of 2007 (allowing insurance companies to make tax deductible contributions to a tax-exempt policyholder disaster protection fund) S. 928, the Homeowners Protection Act of 2007 (creating a federal backstop for state natural catastrophe insurance programs) S. 929, the Nonadmitted and Reinsurance Reform Act (all provisions) S. 930, the Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) S. 931, the National Hurricane Research Initiative Act of 2007 (all provisions) S. 2047, the Flood Insurance Disclosure Act of 2007 (all provisions) S. 2284, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) S. 2327, the Homeowners Insurance Assistance Act of 2007 (all provisions) H.R. 1065, the Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 1682, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 2895, the National Affordable Housing Trust Fund Act of 2007 (all provisions) H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 3162, Childrens Health and Medicare Protection Act of 2007 (revenue-offset tax provisions) H.R. 3200, the National Insurance Act of 2007 (all provisions to create an optional federal insurance charter) H.R. 3355, the Homeowners Defense Act of 2007 (all provisions) H.R. 3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties (all provisions) H.R. 5611, the National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions)

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

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

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

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

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

S. 40/ H.R. 3200, National Insurance Act (Entire bill) S. 929/ H.R. 1065, Nonadmitted and Reinsurance Reform Act of 2007 (Entire bill) S. 618/ H.r. 1081, Insurance Industry Competition Act of 2007 (Entire bill) S. 742/ H.R. 2385, Ban Asbestos in America Act of 2007 (Entire bill) H.R. 3339, Bruce Vento Ban Asbestos and Prevent Mesothelioma Act (Entire bill) H.R. 91, The Homeowners Insurance Protection Act of 2007 (Entire bill) H.R. 164/ S. 926, The Policyholder Disaster Protection Act of 2007 (Entire bill) H.R. 330, The Homeowners Insurance Availability Act of 2007 (Entire bill) H.R. 537/ S. 292, The Commission on Catastrophic Disaster Risk (Entire bill) H.R. 913, The Hurricane and Tornado Mitigation Investment Act of 2007 (Entire bill) H.R. 920, The Multiple Peril Insurance Act of 2007 (Entire bill) H.R. 1682, Flood Insurance Reform and Modernization Act of 2007 (Entire bill) H.R. 1852, Expanding American Homeownership Act of 2007 (Entire bill) H.R. 1787/ S. 927, Catastrophe Savings Account Act (Entire bill) H.R. 3121, Flood Insurance Reform and Modernization Act (Entire bill) H.R. 3355/ S. 2310 Homeowner's Defense Act (Entire bill) S. 1061, Homeowner's Insurance Noncoverage Disclosure Act (Entire bill) S. 1890, Flood Insurance Choice Act (Entire bill) S. 2047, Flood Insurance Disclosure Act (Entire bill) S. 2286/ H.R. 3644, Commission on Natural Catastrophe Risk Management and Insurance Act (Entire bill) S. 2284, Flood Insurance Reform and Modernization Act (Entire bill) S. 2327, Homeowners Assistance Act (Entire bill) S. 2338/ H.R. 6424, Property Mitigation Assistance Act (Entire bill) S. 2458/ H.R. 4461, Community Building Code Administration Grant Act (Entire bill) H.R. 4721, Terrorism Risk Insurance Improvement Act (Entire bill) H.R. 1746, Holocaust Insurance Accountability Act (Entire bill) H.R. 5633, Non-discriminatory Use of Consumer Reports and Consumer Information Act (Entire bill) H.R. 5611, National Association of Registered Agents and Brokers Reform Act of 2008 (Entire bill) H.R. 5840, Insurance Information Act (Entire bill) H.R. 5792, Increasing Insurance Coverage Options for Consumers Act (Entire bill) H.R. 6062, Personal Lines of Insurance Fairness Act (Entire bill) H.R. 6213, Reinsurance International Solvency Standards Evaluation Board Act (Entire bill)

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Council of Economic Advisers (CEA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

HR164, HR537, HR846, HR913, HR1787, HR1832, HR2407, HR3355, HR3644, S292, S538, S690, S926, S927, S928, S929, S930, S931, S2286, S2310, S2327, S2328

Client expense: $714,749 · Firm income: Not reported

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1212 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions H.R. 164 - Policyholder Disaster Protection Act of 2007 - All provisions H.R. 1787 - Catastrophe Savings Accounts Act of 2007 - All provisions H.R. 1832 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 2407 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 537 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions H.R. 846 - Emergency and Disaster Assistance Fraud Penalty Enhancement Act of 2007 - All provisions H.R. 913 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions H.R. 3355 - Homeowners' Defense Act of 2007 - All provisions H.R. 3644 - A bill to establish a nonpartisan Commission on Natural Catastrophe Risk Management and Insurance, and for other purposes - All provisions S. 292 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions S. 538 - Work, Hope and Opportunity for the Disaster Area Today Act - All provisions S. 690 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions S. 926 - Policyholder Disaster Protection Act of 2007 - All provisions S. 927 - Catastrophe Savings Accounts Act of 2007 - All provisions S. 928 - Homeowners Protection Act of 2007 - All provisions S. 930 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions S. 931 - National Hurricane Research Initiative Act of 2007 - All provisions S. 929 - Non-admitted and Reinsurance Reform Act of 2007 - All provisions S. 2286 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 - All provisions S. 2310 - A bill to establish a national catastrophic risks consortium and a national homeowners' insurance stabilization program - All provisions S. 2327 - A bill to amend the Internal Revenue Code of 1986 to provide a credit against tax for increased homeowners insurance premiums suffered by certain coastal homeowners or resulting from hurricane events - All provisions S. 2328 - A bill to establish a homeowner mitigation loan program within the Federal Emergency Management Agency to promote pre-disaster mitigation measures - All provisions

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

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

HR 164, S 926 Policyholder Disaster Protection Act of 2007; HR 330 Homeowners Insurance Availability Act; HR 1787 and S 927 Catastrophic Savings Accounts; HR 91, S 928 Homeowners Protection Act of 2007; HR 537, HR 3644, S 292, S 2286 bills to create a Commission of Catastrophic Risk and Insurance; HR 3355, S 2310 Homeowners Defense Act of 2007, S 2327 Homeowners Insurance Assistance Act; S 2328 Property Mitigation Assistance Act; On all these bills our interest is for Congress to determine the most appropriate method and level of involvement for the federal government in response to insurance protection issues for natural disasters. Specifically, we support the creation of a federal Commission to further study the issue, and efforts that encourage greater mitigation of disaster risks. We have concerns about too much federal interference with the private marketplace.

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

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

H.R. 164; S. 926 Policyholder Disaster Protection Act of 2007 (all provisions) H.R. 46 Small Business Tax Fairness and Simplification Act of 2007 (all provisions) H.R. 3362 Tax Fairness for Small Businesses Act of 2007 (all provisions) H.R. 1787; S. 927 Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 913; S. 930 Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) Estate Tax Reform Extension of Income, Capital Gains and Dividend Tax Reforms H.R. 3970 Tax Reduction and Reform Act of 2007 (all provisions)

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

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

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

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

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

H.R. 1212 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions H.R. 164 - Policyholder Disaster Protection Act of 2007 - All provisions H.R. 1787 - Catastrophe Savings Accounts Act of 2007 - All provisions H.R. 1832 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 2407 - National Hurricane Research Initiative Act of 2007 - All provisions H.R. 537 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions H.R. 846 - Emergency and Disaster Assistance Fraud Penalty Enhancement Act of 2007 - All provisions H.R. 913 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions H.R. 3355 - Homeowners' Defense Act of 2007 - All provisions H.R. 3644 - A bill to establish a nonpartisan Commission on Natural Catastrophe Risk Management and Insurance, and for other purposes - All provisions S. 292 - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - All provisions S. 538 - Work, Hope and Opportunity for the Disaster Area Today Act - All provisions S. 690 - Catastrophic Disaster Recovery Improvements Act of 2007 - All provisions S. 926 - Policyholder Disaster Protection Act of 2007 - All provisions S. 927 - Catastrophe Savings Accounts Act of 2007 - All provisions S. 928 - Homeowners Protection Act of 2007 - All provisions S. 930 - Hurricane and Tornado Mitigation Investment Act of 2007 - All provisions S. 931 - National Hurricane Research Initiative Act of 2007 - All provisions S. 929 - Non-admitted and Reinsurance Reform Act of 2007 - All provisions S. 2286 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 - All provisions S. 2310 - A bill to establish a national catastrophic risks consortium and a national homeowners' insurance stabilization program - All provisions S. 2327 - A bill to amend the Internal Revenue Code of 1986 to provide a credit against tax for increased homeowners insurance premiums suffered by certain coastal homeowners or resulting from hurricane events - All provisions S. 2328 - A bill to establish a homeowner mitigation loan program within the Federal Emergency Management Agency to promote pre-disaster mitigation measures - All provisions

Client expense: $1,440,000 · Firm income: Not reported

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

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

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

S. 40, the National Insurance Act (all provisions) S. 926, the Policyholder Disaster Protection Act of 2007 (allowing insurance companies to make tax deductible contributions to a tax-exempt policyholder disaster protection fund) S. 928, the Homeowners Protection Act of 2007 (creating a federal backstop for state natural catastrophe insurance programs) S. 929, the Nonadmitted and Reinsurance Reform Act (all provisions) S. 930, the Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) S. 931, the National Hurricane Research Initiative Act of 2007 (all provisions) S. 2047, the Flood Insurance Disclosure Act of 2007 (all provisions) S. 2327, the Homeowners Insurance Assistance Act of 2007 (all provisions) H.R. 1065, the Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 1682, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 2895, the National Affordable Housing Trust Fund Act of 2007 (all provisions) H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 3162, Childrens Health and Medicare Protection Act of 2007 (revenue-offset tax provisions) H.R. 3200, the National Insurance Act of 2007 (all provisions to create an optional federal insurance charter) H.R. 3355, the Homeowners Defense Act of 2007 (all provisions) H.R. 3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties (all provisions) H.R. 5611, the National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions)

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

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

S. 40, the National Insurance Act (all provisions) S. 926, the Policyholder Disaster Protection Act of 2007 (allowing insurance companies to make tax deductible contributions to a tax-exempt policyholder disaster protection fund) S. 928, the Homeowners Protection Act of 2007 (creating a federal backstop for state natural catastrophe insurance programs) S. 929, the Nonadmitted and Reinsurance Reform Act (all provisions) S. 930, the Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) S. 931, the National Hurricane Research Initiative Act of 2007 (all provisions) S. 2047, the Flood Insurance Disclosure Act of 2007 (all provisions) S. 2327, the Homeowners Insurance Assistance Act of 2007 (all provisions) H.R. 1065, the Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 1682, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 2895, the National Affordable Housing Trust Fund Act of 2007 (all provisions) H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 3162, Childrens Health and Medicare Protection Act of 2007 (revenue-offset tax provisions) H.R. 3200, the National Insurance Act of 2007 (all provisions to create an optional federal insurance charter) H.R. 3355, the Homeowners Defense Act of 2007 (all provisions) H.R. 3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties (all provisions) H.R. 5611, the National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions)

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

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

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

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

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

S. 40, the National Insurance Act (all provisions) S. 926, the Policyholder Disaster Protection Act of 2007 (allowing insurance companies to make tax deductible contributions to a tax-exempt policyholder disaster protection fund) S. 928, the Homeowners Protection Act of 2007 (creating a federal backstop for state natural catastrophe insurance programs) S. 929, the Nonadmitted and Reinsurance Reform Act (all provisions) S. 930, the Hurricane and Tornado Mitigation Investment Act of 2007 (all provisions) S. 931, the National Hurricane Research Initiative Act of 2007 (all provisions) S. 2047, the Flood Insurance Disclosure Act of 2007 (all provisions) S. 2327, the Homeowners Insurance Assistance Act of 2007 (all provisions) H.R. 1065, the Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 1682, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 2895, the National Affordable Housing Trust Fund Act of 2007 (all provisions) H.R. 3121, the Flood Insurance Reform and Modernization Act of 2007 (all provisions) H.R. 3162, Childrens Health and Medicare Protection Act of 2007 (revenue-offset tax provisions) H.R. 3200, the National Insurance Act of 2007 (all provisions to create an optional federal insurance charter) H.R. 3355, the Homeowners Defense Act of 2007 (all provisions) H.R. 3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties (all provisions) H.R. 5611, the National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions)

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

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