Financial Privacy Notice Relief Act of 2007

S. 239 S. 495, S 1178, S. 1260, S. 238, S. 1208, S. 806, S. 1625, S. 2168, S. 2661, H.R. 958, H.R. 1685, H.R. 836, H.R. 2124, H.R. 948, H.R. 2455, H.R. 3046, H.R. 3046, H.R. 5234, H.R. 5405, H.R. 964, H.R. 1525, H.R. 3316, H.R. 275, H.R. 936, H.R. 1967, H.R. 2290, H.R. 4175, H.R. 4279 - Privacy/Data Security/Social Security Number Legislation (monitoring)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

H.R. 1525, the Internet Spyware Prevention Act. H.R. 964, the Securely Protect Yourself Against Cyber Trespass Act H.R. 1685/S. 1260, the Data Security Act S. 1202, the Personal Data Protection Act S. 495, the Personal Data Privacy and Security Act S. 239, the Notification of Risk to Personal Data Act S. 1178, the Identity Tehft Protection Act S. 806, Consumer ID Protection and Security Act S. 1625, the Counter Spy Act H.R. 3046, the Social Security Number Privacy and Identity Theft Prevention Act H.R. 948, the Social Security Number Protection Act. H.R. 1967, Financial Privacy Notice Relief Act H.R. 958, the Data Accountability and Trust Act H.R. 3010/S. 1782, the Fair Arbitration Act S. 2168, the Identity Theft Enforcement and Restitution Act H.R. 4175, the Privacy and Cybercrome Enforcement Act. H.R. 5244, the Credit Cardholders Bill of Rights Act

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R.1424: A bill to provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. H.R. 3997: Emergency Economic Stabilization Act of 2008 H.R.6213: to establish the Reinsurance International Solvency Standards Evaluation Board. H.R.6482: to direct the Securities and Exchange Commission to establish both a process by which asset-backed instruments can be deemed eligible for NRSRO ratings and an initial list of such eligible asset-backed instruments. H.R.6604: To amend the Commodity Exchange Act to bring greater transparency and accountability to commodity markets, and for other purposes. H. RES. 1449: Providing for consideration of the bill (H.R. 6604) to amend the Commodity Exchange Act to bring greater transparency and accountability to commodity markets, and for other purposes. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

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

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

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

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

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

S. 239 S. 495, S 1178, S. 1260, S. 238, S. 1208, S. 806, S. 1625, S. 2168, S. 2661, H.R. 958, H.R. 1685, H.R. 836, H.R. 2124, H.R. 948, H.R. 2455, H.R. 3046, H.R. 3046, H.R. 5234, H.R. 5405, H.R. 964, H.R. 1525, H.R. 3316, H.R. 275, H.R. 936, H.R. 1967, H.R. 2290, H.R. 4175, H.R. 4279 - Privacy/Data Security/Social Security Number Legislation (monitoring)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Basel Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 2669, H.R. 531, H.R. 890, H.R. 3133, H.R. 1429; S. 556) GSEs - Regulatory Authority (H.R. 1427) Internet gambling (H.R. 2607, H.R. 2046) Data security (S. 1260; H.R. 1685) Pension reform (H.R. 2988; S. 1254) Phishing (H.R. 1525, H.R. 964; S. 2661) Privacy (S. 495, S. 1401, S. 717; H.R. 1967, H.R. 1117) Regulatory relief (H.R. 1550) Social security numbers protection (S. 1208, S. 479; H.R. 327, H.R. 2455, H.R. 3046, H.R. 2291) Terrorism Risk Insurance Act (H.R. 2761, H.R. 3346, H.R. 3369) Identity theft (S. 1178; S. 806) Mortgage refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage restructuring (H.R. 5579) Credit cards (H.R. 5244, H.R. 5280; S. 2542) Housing and Economic Recovery Act 2008 (H.R. 3221) Emergency Economic Stabilization Act of 2008 (H.R. 1424)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. H.R.6213: to establish the Reinsurance International Solvency Standards Evaluation Board. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

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

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

H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007 H.R. 964 Securely Protect Yourself against Cyber Trespass H.R. 1685/ S. 1260 Data Security Act of 2007 S. 1202 Personal Data Protection Act of 2007 S. 495 Personal Data Privacy and Security Act of 2007 S. 239 The Notification of Risk to Personal Data Act S.1178 Identity Theft Protection Act S.806 Consumer ID Protection and Security Act S. 1625 Counter Spy Act H.R.3046 Social Security Number Privacy and Identity Theft Prevention Act H.R.948 Social Security Number Protection Act H.R. 1967 Financial Privacy Notice Relief Act of 2007 H.R. 958 Data Accountability and Trust Act H.R. 3010/ S. 1782 Arbitration Fairness Act of 2007 S. 1135 Fair Arbitration Act of 2007 S. 2168 The Identity Theft Enforcement and Restitution Act of 2007 H.R. 4175 The Privacy and Cybercrime Enforcement Act of 2007

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

Basel Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 2669, H.R. 531, H.R. 890, H.R. 3133, H.R. 1429; S. 556) GSEs - Regulatory Authority (H.R. 1427) Internet gambling (H.R. 2607, H.R. 2046) Data security (S. 1260; H.R. 1685) Pension reform (H.R. 2988; S. 1254) Phishing (H.R. 1525, H.R. 964; S. 2661) Privacy (S. 495, S. 1401, S. 717; H.R. 1967, H.R. 1117) Regulatory relief (H.R. 1550) Social security numbers protection (S. 1208, S. 479; H.R. 327, H.R. 2455, H.R. 3046, H.R. 2291) Terrorism Risk Insurance Act (H.R. 2761, H.R. 3346, H.R. 3369) Identity theft (S. 1178; S. 806) Mortgage refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage restructuring (H.R. 5579) Credit cards (H.R. 5244, H.R. 5280; S. 2542) Housing and Economic Recovery Act 2008 (H.R. 3221)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1967, Financial Privacy Notice Relief Act of 2007

Client expense: $360,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Education, Dept of, Environmental Protection Agency (EPA), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Legal Services Corporation, Library of Congress (LOC), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, U.S. Agency for International Development (USAID), U.S. Commission on Civil Rights, U.S. Copyright Office, U.S. Immigration & Customs Enforcement (ICE), U.S. Trade Representative (USTR), White House Office

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

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

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

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

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

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

S. 239 S. 495, S 1178, S. 1260, S. 238, S. 1208, S. 806, S. 1625, S. 2168, S. 2661, H.R. 958, H.R. 1685, H.R. 836, H.R. 2124, H.R. 948, H.R. 2455, H.R. 3046, H.R. 3046, H.R. 5234, H.R. 5405, H.R. 964, H.R. 1525, H.R. 3316, H.R. 275, H.R. 936, H.R. 1967, H.R. 2290, H.R. 4175, H.R. 4279 - Privacy/Data Security/Social Security Number Legislation (monitoring)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. H.R.6213: to establish the Reinsurance International Solvency Standards Evaluation Board. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

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

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

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

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

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

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

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

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

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

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

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

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

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

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

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 3316, Identity Theft Protection Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 2527, FDIC Enforcement Enhancement Act HR 3121, Flood Insurance Reform and Modernization Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 1685, The Data Security Act of 2007 HR 958, The Data Accountability and Trust Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 HR 1510, Credit Card Repayment Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1256, Small Business Lending Reauthorization and Improvement Act S 1260, The Data Security Act of 2007 S 495, The Personal Data Privacy and Security Act of 2007 S1178, The Identity Theft Prevention Act of 2007 S 1176, Credit Card Minimum Payment Warning Act of 2007 S 1309, Universal Default Prohibition Act of 2007 S 1395, Stop Unfair Practices in Credit Cards Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1762, Higher Education Access S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act Bank Secrecy Act and Anti-Money Laundering Issues Consumer Data Security Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Critical Infrastructure Protection and Homeland Security Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Military Consumer Lending Rules Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs

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

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

Basel Federal Deposit Insurance Reform (H.R. 3012, H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 2669, H.R. 531, H.R. 890, H.R. 3133, H.R. 1429; S. 556) GSEs - Regulatory Authority (H.R. 1427) Internet gambling (H.R. 2607, H.R. 2046) Data security (S. 1260; H.R. 1685) Pension reform (H.R. 2988; S. 1254) Phishing (H.R. 1525, H.R. 964; S. 2661) Privacy (S. 495, S. 1401, S. 717; H.R. 1967, H.R. 1117) Regulatory relief (H.R. 1550) Social security numbers protection (S. 1208, S. 479; H.R. 327, H.R. 2455, H.R. 3046, H.R. 2291) Terrorism Risk Insurance Act (H.R. 2761, H.R. 3346, H.R. 3369) Identity theft (S. 1178, S. 806) Mortgage refinancing (H.R. 5830) Foreclosures (H.R. 5818; S. 2734) Mortgage restructuring (H.R. 5579) Credit cards (H.R. 5244, H.R. 5280; S. 2542)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007 H.R. 964 Securely Protect Yourself against Cyber Trespass H.R. 1685/ S. 1260 Data Security Act of 2007 S. 1202 Personal Data Protection Act of 2007 S. 495 Personal Data Privacy and Security Act of 2007 S. 239 The Notification of Risk to Personal Data Act S.1178 Identity Theft Protection Act S.806 Consumer ID Protection and Security Act S. 1625 Counter Spy Act H.R.3046 Social Security Number Privacy and Identity Theft Prevention Act H.R.948 Social Security Number Protection Act H.R. 1967 Financial Privacy Notice Relief Act of 2007 H.R. 958 Data Accountability and Trust Act H.R. 3010/ S. 1782 Arbitration Fairness Act of 2007 S. 1135 Fair Arbitration Act of 2007 S. 2168 The Identity Theft Enforcement and Restitution Act of 2007 H.R. 4175 The Privacy and Cybercrime Enforcement Act of 2007

Client expense: $490,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements.

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

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

H.R. 1967, Financial Privacy Notice Relief Act of 2007

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

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Education, Dept of, Environmental Protection Agency (EPA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Legal Services Corporation, Library of Congress (LOC), Office of Management & Budget (OMB), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), U.S. Commission on Civil Rights, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Immigration & Customs Enforcement (ICE), U.S. Trade Representative (USTR), White House Office

Fair Debt Collection Practices Act 1099-C issues relating to the collection of debts by the debt buying industry HR 1967, the Financial Privacy Notice Relief Act of 2007 and S. 1405, The Communities First Act: issues regarding debt bu;yers to provide an annual notice allowing consumers to opt-out of having their information shared iwth thrid parties

Client expense: Not reported · Firm income: $21,000

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

S. 239 S. 495, S 1178, S. 1260, S. 238, S. 1208, S. 806, S. 1625, S. 2168, S. 2661, H.R. 958, H.R. 1685, H.R. 836, H.R. 2124, H.R. 948, H.R. 2455, H.R. 3046, H.R. 3046, H.R. 5234, H.R. 5405, H.R. 964, H.R. 1525, H.R. 3316, H.R. 275, H.R. 936, H.R. 1967, H.R. 2290, H.R. 4175, H.R. 4279 - Privacy/Data Security/Social Security Number Legislation (monitoring)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1967, Financial Privacy Notice Relief Act of 2007

Client expense: $580,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Legal Services Corporation, Office of Management & Budget (OMB), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), White House Office

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

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

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

S. 1386 - Homeownership Protection and Enhancement Act of 2007 – NP S. 1299 - Borrower's Protection Act of 2007 – NP S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse, and Underdevelopment Act – NP H.R. 3012 -Fair Mortgage Practices Act of 2007 – NP H.R.3355 Homeowners' Defense Act of 2007 (Introduced in House) NP Consumer Data Security-NP Regulatory Relief- FOR Risk-based capital requirements for banks- NP Sarbane-Oxley Act relief for community banks - FOR Corporate governance requirements- NP Relief from securities law requirements for small companies- FOR Federal Home Loan Bank advances and collateral- NP Federal Home Loan Bank System issues - NP Separation of Banking and Commerce - FOR Payments System Issues - FOR Bank Secrecy Act and anti-money laundering issues - NP Credit Card/Debit Card Interchange Fees- NP ILC Applications by Commercial Companies - Against Regulation of Industrial Loan Corporation Holding Companies- FOR Subprime Lending -NP Overdraft Protection Programs- NP FDIC Small Dollar loan pilot program -NP Predatory Lending Issues - NP Deposit Concentration Cap- FOR Military Consumer Lending Rules -NP HR 3316 Identity Theft Protection Act of 2007 - NP HR 1852, Expanding American Homeownership Act of 2007 For HR 2547, FDIC Enforcement Enhancement Act For HR 1980, Housing Assistance Council Authorization Act of 2007 HR 1982, Rural Housing and Economic Development Act of 2007 HR 2139, FHA Manufactured Housing Loan Modernization Act of 2007 HR 1851, Section 8 Voucher Reform Act of 2007 HR 3121, Flood Insurance Reform and Modernization Act of 200 HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 For HR 920, Multiple Peril Insurance Act of 2007 HR 2419, Farm Bill Extension Act of 2007 Against HR 1969, Communities First Act For HR 1537, Credit Union Regulatory Improvement Act of 2007 Against HR 1332, Small Business Lending Improvements Act of 2007 For HR 1849, Credit Union Small Business Lending Act NP HR 111, Community Choice in Real Estate Act Against HR 1508, Compete Act For HR 323, Seasoned Customer CTR Exemption Act of 2007 For S 1256, Small Business Lending Reauthorization and Improvement Act For S 1405, Communities First Act For S 1356, Industrial Bank Holding Company Act of 2007 For S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 Against S 413, Community Choice in Real Estate Act Against S 869, Compete Act For H.R. 2149 To provide for a study by the National Academy of Sciences to identify the proper response of the United States to the growth of Internet gambling. NP H.R. 2607 Internet Gambling Regulation and Tax Enforcement Act of 2007 NP H.R. 2646 Internet Gambling Regulation and Enforcement Act of 2007 NP H.R. 2206 U.S. Troop Readiness, Veterans' Care, Katrina Recovery, and Iraq Accountability Appropriations Act, 2007 (Enrolled as Agreed to or Passed by Both House and Senate) FOR H.R. 1967 Financial Privacy Notice Relief Act of 2007 FOR H.R. 1049 Amend Misinterpreted Excessive Regulation In Corporate America Act NP H.R. 1550 Regulatory Relief and Fairness Act FOR S. 1153 Small Business Regulatory Review Act of 2007 FOR H.R. 2727 Small Business SOX Compliance Extension Act FOR H.R. 1780 Small Business Securities Protection Act NP HR 1685, The Data Security Act of 2007 – NP HR 958, The Data Accountability and Trust Act of 2007– Against S 1260, The Data Security Act of 2007 – FOR S 495, The Personal Data Privacy and Security Act of 2007 -- Against S 1178, The Identity Theft Prevention Act of 2007 -- Against HR 873, Credit Card Payment Fee Act of 2007 -- NP HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 -- NP HR 1510, Credit Card Repayment Act of 2007 -- NP HR 2146, Universal Default Prohibition Act of 2007 -- NP S 1176, Credit Card Minimum Payment Warning Act of 2007 -- NP S 1309, Universal Default Prohibition Act of 2007 -- NP S 1395, Stop Unfair Practices in Credit Cards Act of 2007 - NP HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 – Against HR 890, Student Loan Sunshine Act -- NP S 486, Student Loan Sunshine Act -- NP S 1762, Higher Education Access Act of 2007 -- NP S. 947 - 21st Century Housing Act – NP HR 1227, Gulf Coast hurricane Housing Recovery Act of 2007 For HR 1257, Shareholder Vote on Executive Compensation Act NP HR 1427, Federal Housing Finance Reform Act of 2007 For HR 698, Industrial Bank Holding Company Act of 2007 For

Client expense: $968,985 · Firm income: Not reported

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

H.R. 873 Credit Card Payment Fee Act of 2007 H.R. 936 Prevention of Fraudulent Access to Phone Records Act H.R. 946 Consumer Overdraft Protection Fair Practices Act H.R. 948 Social Security Number Protection Act of 2007 H.R. 958 Data Accountability and Trust Act H.R. 964 Spy Act H.R. 1257 Executive Compensation and Proxy Access issues H.R. 1461 Credit CARD Act of 2007 H.R. 1510 Credit Card Repayment Act of 2007 H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007 H.R. 1685 Data Security Act of 2007 H.R. 1967 Financial Privacy Notice Relief Act of 2007 H.R. 1996 Preservation of Federalism in Banking Act H.R. 2124 Federal Agency Data Breach Protection Act H.R. 2146 Universal Default Prohibition Act of 2007 H.R. 3010 Mandatory Arbitration - The Arbitration Fairness Act of 2007 H.R. Con.Res. 140 Financial Services Diversity Initiative S. 238 Social Security Number Misuse Prevention Act S. 239 Notification of Risk to Personal Data Act of 2007 S. 495 Personal Data Privacy and Security Act of 2007 S. 704 Truth in Caller ID Act of 2007 S. 806 Consumer ID Protection and Security Act S. 1176 Credit Card Minimum Payment Warning Act of 2007 S. 1178 Identity Theft Prevention Act S. 1202 Personal Data Protection Act of 2007 S. 1208 Social Security Account Number Protection Act S. 1260 Data Security Act of 2007 S. 1309 Universal Default Prohibition Act of 2007 S. 1356 Industrial Bank Holding Company Act of 2007 S. 1395 Stop Unfair Practices in Credit Cards Act of 2007 S. 1782 Mandatory Arbitration - The Arbitration Fairness Act of 2007 S 1100 The Federal Housing Enterprise Regulatory Act of 2007: Provisions related to retained portfolio and new program approval and possible provision relating to ’33 Act registration HR 1427 The Federal Housing Finance Reform Act of 2007 H.R. 698 Industrial Bank Holding Company Act of 2007 H.R. 740 Preventing Harassment through Outbound Number Enforcement Act of 2007 H.R. 836 Cyber-Security Enhancement and Consumer Data Protection Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 74 High Risk Protection Act H. R. 108 National Small Business Regulatory Assistance Act of 2007 H. R. 836 Cyber-Security Enhancement and Consumer Data Protection Act of 2007 H.R. 837 - Internet Stopping Adults Facilitating the Exploitation of Today's Youth Act (SAFETY) of 2007 S. 780 Protecting Consumer Phone Records Act S. 789 Government Credit Card Abuse Prevention Act of 2007 S. 796 Fair Currency Act of 2007 S. 806 Consumer ID Protection and Security Act H.R. 1461 - Credit Card Accountability, Responsibility and Disclosure Act of 2007 or Credit CARD Act of 2007 S. 834 Promoting Transparency in Financial Reporting Act of 2007 H. R. 1443 Consumer Fairness Act of 2007 H. R. 1510 Credit Card Repayment Act of 2007 H. R. 1537 Credit Union Regulatory Improvements Act of 2007 H. R. 1550 Regulatory Relief and Fairness Act H. R. 1967 Financial Privacy Notice Relief Act of 2007 S. 1176 Credit Card Minimum Payment Warning Act of 2007 S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act or the STOP FRAUD Act S. 1178 Identity Theft Prevention Act H. R. 472 College Affordability and Transparency Act of 2007 H. R. 324 Working Families Wage and Access to Health Care Act S. 1356 Industrial Bank Holding Company Act of 2007 H. R. 890 Student Loan Sunshine Act (referred to Senate committee after being received from House) S. 1399 College Affordability and Creating Chances for Educational Success for Students Act of 2007 S. 239 Notification of Risk to Personal Data Act of 2007 H. R. 2140 To provide for a study by the National Academy of Sciences to identify the proper response of the United States to the growth of Internet gambling. H. R. 1996 Preservation of Federalism in Banking Act H. R. 2607 Internet Gambling Regulation and Tax Enforcement Act of 2007 H. R. 2756 Honest Money Act S. 1691 Social Security Number Online Protection Act of 2007 See Addendum

Client expense: $2,660,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

S. 413 - Community Choice in Real Estate Act S. 473 - Combating Money Laundering and Terrorist Financing Act of 2007 S. 789 - Government Credit Card Abuse Prevention Act of 2007 S. 1012 - Consumer Rental-Purchase Agreement Act of 2007 S. 1176 - Credit Card Minimum Payment Warning Act of 2007 S. 1299 - Borrower's Protection Act of 2007 S. 1395 - Stop Unfair Practices in Credit Cards Act of 2007 S. 1401 - Student Financial Aid Data Privacy Protection Act S. 1530 - Rent-To-Own Reform Act of 2007 S. 1733 - Housing Fairness Act of 2007 S. 1831 - Private Student Loan Disclosure Enhancement Act of 2007 H.R. 41 - Business Checking Fairness Act of 2007 H.R. 111 - Community Choice in Real Estate Act H.R. 531 - Retirement Security Education Act of 2007 H.R. 698 - Industrial Bank Holding Company Act of 2007 H.R. 873 - Credit Card Payment Fee Act of 2007 H.R. 946 - Consumer Overdraft Protection Fair Practices Act H.R. 958 - Data Accountability and Trust Act H.R. 1066 - Depository Institution Community Development Investments Enhancement Act H.R. 1117 - REAL ID Repeal and Identification Security Enhancement Act of 2007 H.R. 1170 - Comprehensive Awareness of Problem Gambling Act of 2007 H.R. 1257 - Shareholder Vote on Executive Compensation Act H.R. 1289 - Community Reinvestment Modernization Act of 2007 H.R. 1395 - Government Credit Card Abuse Prevention Act of 2007 H.R. 1427 - Federal Housing Finance Reform Act of 2007 H.R. 1510 - Credit Card Repayment Act of 2007 H.R. 1598 - Servicemembers Credit Protection Act H.R. 1750 - a bill to amend the Servicemembers Civil Relief Act to extend from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure under that Act. H.R. 1767 - Consumer Rental Purchase Agreement Act H.R. 1776 - Call Center Consumer's Right to Know Act H.R. 1967 - Financial Privacy Notice Relief Act of 2007 H.R. 2046 - Internet Gambling Regulation and Enforcement Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act H.R. 2096 - Freedom to Bank Act H.R. 2440 - FinCEN Reauthorization Act of 2007 H.R. 2568 - Credit Agencies Identity Theft Responsibilities Act of 2007 H.R. 2607 - Internet Gambling Regulation and Tax Enforcement Act of 2007 H.R. 2871 - Payday Loan Reform Act of 2007 H.R. 2885 - Credit Monitoring Clarification Act H.R. 2895 - National Affordable Housing Trust Fund Act of 2007 H.R. 2911 - Electronic Funds Transfer Equal Consumer Protection Act H.R. 2973 - a bill to amend the Truth in Lending Act to require a store in which a consumer may apply to open a credit or charge card account to display a sign, at each location where the application may be made, containing the same information required by such Act to be prominently placed in a tabular format on the application. H.R. 2974 - Innocent Check Depositor Protection Act H.R. 3012 - Fair Mortgage Practices Act of 2007 H.R. 3081 - Fairness for Homeowners Act of 2007 H.R. 3113 - Affordable Financial Services Enhancement Act H.R. 3200 - National Insurance Act of 2007 S. 40 - National Insurance Act of 2007 See Addendum.

Client expense: $2,660,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 108 - National Small Business Regulatory Assistance Act of 2007 H.R. 324 - Working Families Wage and Access to Health Care Act H.R. 472 - College Affordability and Transparency Act of 2007 H.R. 836 - Cyber-Security Enhancement and Consumer Data Protection Act of 2007 H.R. 837 - Internet Stopping Adults Facilitating the Exploitation of Today's Youth Act (SAFETY) of 2007 H.R. 890 - Student Loan Sunshine Act H.R. 1443- Consumer Fairness Act of 2007 H.R. 1461 - Credit Card Accountability, Responsibility and Disclosure Act of 2007 or Credit CARD Act of 2007 H.R. 1510 - Credit Card Repayment Act of 2007 H.R. 1537 - Credit Union Regulatory Improvements Act of 2007 H.R. 1550 - Regulatory Relief and Fairness Act H.R. 1967 - Financial Privacy Notice Relief Act of 2007 H.R. 1996 - Preservation of Federalism in Banking Act H.R. 2140 - To provide for a study by the National Academy of Sciences to identify the proper response of the United States to the growth of Internet gambling. H.R. 2607 - Internet Gambling Regulation and Tax Enforcement Act of 2007 H.R. 2756 - Honest Money Act S. 74 - High Risk Protection Act S. 239 - Notification of Risk to Personal Data Act of 2007 S. 780 - Protecting Consumer Phone Records Act S. 789 - Government Credit Card Abuse Prevention Act of 2007 S. 796 - Fair Currency Act of 2007 S. 806 - Consumer ID Protection and Security Act S. 834 - Promoting Transparency in Financial Reporting Act of 2007 S. 1176 - Credit Card Minimum Payment Warning Act of 2007 S. 1178 - Identity Theft Prevention Act S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act or the STOP FRAUD Act S. 1356 - Industrial Bank Holding Company Act of 2007 S. 1399 - College Affordability and Creating Chances for Educational Success for Students Act of 2007 S. 1691 - Social Security Number Online Protection Act of 2007 See Addendum.

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

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

H.R. 41 - Business Checking Fairness Act of 2007 H.R. 111 - Community Choice in Real Estate Act H.R. 531 - Retirement Security Education Act of 2007 H.R. 698 - Industrial Bank Holding Company Act of 2007 H.R. 873 - Credit Card Payment Fee Act of 2007 H.R. 946 - Consumer Overdraft Protection Fair Practices Act H.R. 958 - Data Accountability and Trust Act H.R. 1066 - Depository Institution Community Development Investments Enhancement Act H.R. 1117 - REAL ID Repeal and Identification Security Enhancement Act of 2007 H.R. 1170 - Comprehensive Awareness of Problem Gambling Act of 2007 H.R. 1257 - Shareholder Vote on Executive Compensation Act H.R. 1289 - Community Reinvestment Modernization Act of 2007 H.R. 1395 - Government Credit Card Abuse Prevention Act of 2007 H.R. 1427 - Federal Housing Finance Reform Act of 2007 H.R. 1510 - Credit Card Repayment Act of 2007 H.R. 1598 - Servicemembers Credit Protection Act H.R. 1750 - a bill to amend the Servicemembers Civil Relief Act to extend from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure under that Act. H.R. 1767 - Consumer Rental Purchase Agreement Act H.R. 1776 - Call Center Consumer's Right to Know Act H.R. 1967 - Financial Privacy Notice Relief Act of 2007 H.R. 2046 - Internet Gambling Regulation and Enforcement Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act H.R. 2096 - Freedom to Bank Act H.R. 2440 - FinCEN Reauthorization Act of 2007 H.R. 2568 - Credit Agencies Identity Theft Responsibilities Act of 2007 H.R. 2607 - Internet Gambling Regulation and Tax Enforcement Act of 2007 H.R. 2871 - Payday Loan Reform Act of 2007 H.R. 2885 - Credit Monitoring Clarification Act H.R. 2895 - National Affordable Housing Trust Fund Act of 2007 H.R. 2911 - Electronic Funds Transfer Equal Consumer Protection Act H.R. 2973 - a bill to amend the Truth in Lending Act to require a store in which a consumer may apply to open a credit or charge card account to display a sign, at each location where the application may be made, containing the same information required by such Act to be prominently placed in a tabular format on the application. H.R. 2974 - Innocent Check Depositor Protection Act H.R. 3012 - Fair Mortgage Practices Act of 2007 H.R. 3081 - Fairness for Homeowners Act of 2007 H.R. 3113 - Affordable Financial Services Enhancement Act H.R. 3200 - National Insurance Act of 2007 S. 40 - National Insurance Act of 2007 S. 413 - Community Choice in Real Estate Act S. 473 - Combating Money Laundering and Terrorist Financing Act of 2007 S. 789 - Government Credit Card Abuse Prevention Act of 2007 S. 1012 - Consumer Rental-Purchase Agreement Act of 2007 S. 1176 - Credit Card Minimum Payment Warning Act of 2007 S. 1299 - Borrower's Protection Act of 2007 S. 1395 - Stop Unfair Practices in Credit Cards Act of 2007 S. 1401 - Student Financial Aid Data Privacy Protection Act S. 1530 - Rent-To-Own Reform Act of 2007 S. 1733 - Housing Fairness Act of 2007 S. 1831 - Private Student Loan Disclosure Enhancement Act of 2007 See Addendum.

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

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

H.R. 936 Prevention of Fraudulent Access to Phone Records Act (prov related to data security) H.R. 946 Consumer Overdraft Protection Fair Practices Act (prov related to credit cards) H.R. 948 Social Security Number Protection Act of 2007 (prov related to SSN restrictions) H.R. 958 Data Accountability and Trust Act (prov related to data security) H.R. 964 Spy Act (prov on data security) H.R. 1257 Executive Compensation and Proxy Access issues H.R. 1461 Credit CARD Act of 2007 (prov related to credit cards) H.R. 1510 Credit Card Repayment Act of 2007 (prov related to credit cards) H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007 (prov related to data security) H.R. 1685 Data Security Act of 2007 (prov related to data security) H.R. 1967 Financial Privacy Notice Relief Act of 2007 (prov related to data security) H.R. 1996 Preservation of Federalism in Banking Act (prov related to OCC Preemption) H.R. 2124 Federal Agency Data Breach Protection Act (prov related to data security) H.R. 2146 Universal Default Prohibition Act of 2007 (prov related to credit cards) H.R. 3010 Mandatory Arbitration - The Arbitration Fairness Act of 2007 H.R. Con.Res. 140 Financial Services Diversity Initiative S. 238 Social Security Number Misuse Prevention Act (prov related to use of SSNs) S. 239 Notification of Risk to Personal Data Act of 2007 (prov related to data security) S. 495 Personal Data Privacy and Security Act of 2007 (prov related to data security) S. 704 Truth in Caller ID Act of 2007 (prov related to Caller ID spoofing) S. 806 Consumer ID Protection and Security Act (prov related to ID theft protection) S. 1176 Credit Card Minimum Payment Warning Act of 2007 (prov related to credit cards) S. 1178 Identity Theft Prevention Act (prov related to ID theft) S. 1202 Personal Data Protection Act of 2007 (prov related to data security) S. 1208 Social Security Account Number Protection Act (prov related to SSN restriction) S. 1260 Data Security Act of 2007 (prov related to data security) S. 1309 Universal Default Prohibition Act of 2007 (prov related to credit cards) S. 1356 Industrial Bank Holding Company Act of 2007 (prov related to ILCs) S. 1395 Stop Unfair Practices in Credit Cards Act of 2007 (prov related to credit cards) S. 1782 Mandatory Arbitration - The Arbitration Fairness Act of 2007 Regulation of Hedge Funds Market Data 12b-1 Fees Regulation of Private Equity Subprime Lending Secondary Market Issues - Assignee Liability Sarbanes-Oxley - Section 404 Implementation Met with House and Senate staff on credit card issues Met with House and Senate staff on ILCs H.R.698 Industrial Bank Holding Company Act of 2007 (prov related to ILCs) H.R.740 Preventing Harassment through Outbound Number Enforcement Act of 2007 (prov related to Caller ID spoofing) H.R.836 Cyber-Security Enhancement and Consumer Data Protection Act of 2007 (prov related to data security) H.R.873 Credit Card Payment Fee Act of 2007 (prov related credit cards)

Client expense: Not reported · Firm income: $4,380,000

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Education, Dept of, Executive Office of the President (EOP), Export-Import Bank of the United States (EXIM Bank), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Overseas Private Investment Corp (OPIC), SENATE, Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, U.S. Agency for International Development (USAID), U.S. Trade Representative (USTR)

H.Con. Res. 140, the Financial Services Diversity Initiative. (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007. (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007. (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007. (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007. (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act. (all provisions) H.R.1508, the Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneurs Act of 2007. (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act. (all provisions) H.R. 1869, the Communities First Act. (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007. (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act. (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act. (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Act’s Section 404. Proposals regarding Elimination of Soft Dollars. S. 869, the Competitive and Open Markets that Protect and Enhance the Treatment of Entrepreneurs Act of 2007. (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007. (all provisions)

Client expense: $2,640,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Internet Gambling (H.R. 2607, H.R. 2046) Data Security (S. 1260; H.R. 1685) Pension Reform (H.R. 2988; S. 1254) Phising (H.. 1525) Privacy (S. 1455, S. 495, S. 1814, S. 1401, S. 717; H.R. 2991, H.R. 1967) Regulatory Relief (H.R. 1550) Social Security Numbers Protection (S. 1208; H.R. 327, H.R. 2455, H.R. 3046) Terrorism Risk Insurance Act (H.R. 2761, H.R. 3346, H.R. 3369) Identity Theft (S. 1178) Basel II Federal Deposit Insurance Reform (H.R. 302, H.R. 1427; S. 1100, S. 1386) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 2669, H.R. 531, H.R. 890, H.R. 3133; S. 556) GSEs - Regulatory Authority (H.R. 1427)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 873 Credit Card Payment Fee Act of 2007 H.R. 936 Prevention of Fraudulent Access to Phone Records Act H.R. 946 Consumer Overdraft Protection Fair Practices Act H.R. 948 Social Security Number Protection Act of 2007 H.R. 958 Data Accountability and Trust Act H.R. 964 Spy Act H.R. 1257 Executive Compensation and Proxy Access issues H.R. 1461 Credit CARD Act of 2007 H.R. 1510 Credit Card Repayment Act of 2007 H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007 H.R. 1685 Data Security Act of 2007 H.R. 1967 Financial Privacy Notice Relief Act of 2007 H.R. 1996 Preservation of Federalism in Banking Act H.R. 2124 Federal Agency Data Breach Protection Act H.R. 2146 Universal Default Prohibition Act of 2007 H.R. 3010 Mandatory Arbitration - The Arbitration Fairness Act of 2007 H.R. Con.Res. 140 Financial Services Diversity Initiative S. 238 Social Security Number Misuse Prevention Act S. 239 Notification of Risk to Personal Data Act of 2007 S. 495 Personal Data Privacy and Security Act of 2007 S. 704 Truth in Caller ID Act of 2007 S. 806 Consumer ID Protection and Security Act S. 1176 Credit Card Minimum Payment Warning Act of 2007 S. 1178 Identity Theft Prevention Act S. 1202 Personal Data Protection Act of 2007 S. 1208 Social Security Account Number Protection Act S. 1260 Data Security Act of 2007 S. 1309 Universal Default Prohibition Act of 2007 S. 1356 Industrial Bank Holding Company Act of 2007 S. 1395 Stop Unfair Practices in Credit Cards Act of 2007 S. 1782 Mandatory Arbitration - The Arbitration Fairness Act of 2007 H.R. 698 Industrial Bank Holding Company Act of 2007 H.R. 740 Preventing Harassment through Outbound Number Enforcement Act of 2007 H.R. 836 Cyber-Security Enhancement and Consumer Data Protection Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R. 1550: To reduce the reporting and certification burdens for certain financial institutions of sections 302 and 404 of the Sarbanes-Oxley Act of 2002. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements. H.R.515: To establish a commission on corporate entitlement reform.

Client expense: $895,459 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE

Internet Gambling (H.R. 2607, H.R. 2046) Data Security (S. 1260; H.R. 1685) Pension Reform (H.R. 2988; S. 1254) Phising (H.R. 1525) Privacy (S. 1455, S. 495, S. 1814, S. 1401, S. 717; H.R. 2991, H.R. 1967) Regulatory Relief (H.R. 1550) Social Security Numbers Protection (S. 1208; H.R. 327, H.R. 2455, H.R. 3046) Terrorism Risk Insurance Act (H.R. 2761, H.R. 3346, H.R. 3369) Identity Theft (S. 1178) Basel II (S. 1100) Federal Deposit Insurance Reform (S. 621) Financial Literacy (H.R. 2840, H.R. 3133, H.R. 2669, H.R. 531, H.R. 890, H.R. 3133; S. 556) GSEs - Regulatory Authority (H.R. 1427)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1967, Financial Privacy Notice Relief Act of 2007

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

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), SENATE, Social Security Administration (SSA), U.S. Trade Representative (USTR), White House Office

HR 5- College Student Relief Act of 2007 HR 41 - Repeal ban on interest on demand deposits HR 323 - Would establish a "seasoned customer" exemption from currency transaction reporting HR 556 - Foreign Investment Reform HR 698 - Industrial Bank Holding Company Act of 2007 HR 755 - Promoting Transparency in Financial Reporting Act HR 833 - Rural community bank taxation HR 835 - Hawaiian Homeownership Bill HR 873 - Credit Card Legislation HR 958 - Data Accountability and Trust Act HR 1066 - Retains the increased authority, while returning to the previous standard of allowing investments that promote the public welfare or that qualify under the Community Reinvestment Act. HR 1257 - Would give public company shareholders a nonbinding vote on executive pay plans and retirement packages HR 1314 Restricts the type of identification that financial institutions could use for opening accounts HR 1427 - Would create an independent regulatory for the house GSEs HR 1461 - Credit Card Legislation HR 1510 - Credit Card Legislation HR 1537 - Credit Union Regulatory Improvement Act HR 1685 - Data Security Legislation HR 1787 - Creates catastrophe savings accounts HR 1849 - Would expand credit union business lending HR 1967 - Would exempt financial institutions that do not share personal information with affiliates from the annual privacy notice requirements of the Gramm-Leach-Bliley Act HR 2146 - Credit Card legislation HR 2419 - Farm Credit System HR 2669 - Student Loan Legislation HR 2761 - Would extend the Terrorism Risk Insurance Act HR 2829 - Brokerage Plan HR 2911 - Debit Protection S 4 - Improving America's Security Act of 2007 S 495 - Data Security Legislation S 806 - Data Security Legislation S 927 - Creates catastrophe savings accounts

Client expense: $105,807 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE