Preservation of Federalism in Banking Act

HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act

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

H.R. 5153 Conforming Loan Limit Temporary Adjustment Act of 2008. All Provisions. To increase temporarily the conforming loan limits of Fannie Mae & Freddie Mac in certain areas, enhance mortgage market liquidity. H.R. 5500. Foreclosure Credit Forgiveness Act of 2008. All Provisions. Amends the Fair Credit Reporting Act to provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score H.R. 4735. Tenant Protection in Foreclosure Act of 2007. All Provisions. Amends the Truth in Lending Act to protect tenants interests in foreclosure proceedings. S. 2736 Section 202 Supportive Housing for the Elderly Act of 2008. All Provisions. Amends section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes. S. 2595 S.A.F.E. Mortgage Licensing Act of 2008. All Provisions. Creates a national licensing system for residential mortgage loan originators, to develop minimum standards of conduct to be enforced by State regulators, and for other purposes. H.R. 44, Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R. 526, Full Funding for IDEA Now Act. All provisions. Supports home ownership and responsible lending. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. H.R.1289, Community Reinvestment Modernization Act of 2007. All provisions. Enhances the availability of capital and credit for all citizens and communities. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. H.R. 1427, Federal Housing Finance Reform Act of 2007. All Provisions. GSE Regulation Reform. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. H.R. 1996, Preservation of Federalism in Banking Act. All Provisions. Clarifies applicability of State law to national banks and Federal savings associations. S.2036, Protecting Access to Safe Mortgages Act . All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act. All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation of loan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases 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. S.2201, Home Ownership Mortgage Emergency Act . All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases 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. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to certain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section 1. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and expands the coverage of the appraisal requirements. H.R.3557, Restore American Dream Act of 2007. All Provisions. The establishment of, and the deduction of contributions to, homeownership plans. H.R.3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act. H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act. All provisions. Modifies certain mortgages on principal residences. H.R.3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Seeks partisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R.3705, Fair Disclosure for Homeowners Act of 2007 . All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.3740, ASPIRE Act. All Provisions. Provides every newborn with a $500 Savings Account for education/retirement purposes. H.R.3777, Protecting Access to Safe Mortgages Act. All provisions. Temporarily raisees conforming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that varies from terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgage loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All provisions. Reforms consumer mortgage practices and provides accountability for such practices, establishes licensing and registration requirements for residential mortgage originators, provides certain minimum standards for consumer mortgage loans. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the part of holders of residential mortgage loans. S.2399, Financial Education and Counseling Assistance Act of 2007. All provisions.Seeks to expancd and improve housing counseling services by increasing financial education and counseling services available to homeowners and prospective homebuyers in financial turmoil or who seek credit or other personal financial assistance, and for other purposes. S.2490, Reverse Mortgage Proceeds Protection Act. All Provisions. Seeks to prohibit authorized lenders of home equity conversion mortgages from requiring seniors to purchase an annuity with the proceeds of a reverse mortgage, and to provide other consumer protections to reverse mortgage borrowers. S.2523, National Affordable Housing Trust Fund Act of 2007. All Provisions. Seeks to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families.

H.R. 1996 - Preservation of Federalism in Banking Act - NASAA urges its adoption Draft Senior Investor Protection Act - all sections with a particular emphasis on those relating to the NASAA model rule, suitability requirements and grant eligibility. Draft Senior Investor Protections Enhancement Act - all sections, with a particular emphasis on Sec. 3, Sec. 4, and Sec. 5 that deal with the Special Rule for Seniors

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act

Client expense: $400,000 · Firm income: Not reported

H.R. 2776 Renewable Energy and Energy Conservation Tax Act of 2007; H.R. 3970 Tax Reduction and Reform Act of 2007; H.R. 1996 Tax Increase Prevention Act; H.R. AMT Relief Act of 2007

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

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 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

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

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.

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)

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

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 698 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. H.R. 1996 - Preservation of Federalism in Banking Act - Amends the Revised Statutes of the United States and the Home Owners' Loan Act to declare applicable to either a national bank or federal savings association any consumer protection in state consumer law of general application (including unfair or deceptive acts or practices, consumer fraud law and repossession, foreclosure, and collection). H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act - Amends federal criminal law to make it unlawful for any mortgage professional to: (1) defraud any natural person or financial institution regarding an offer of consumer credit secured by an interest either in real property or in personal property used as a principal dwelling; or (2) falsely obtain money or property from a natural person in connection with an extension of consumer credit secured by an interest in such property. S. 1299 - Borrower's Protection Act of 2007 - Amends the Truth in Lending Act to deem a mortgage broker, in the case of a home mortgage loan, to have a fiduciary relationship with the consumer. Subjects each such mortgage broker to all federal and state requirements for fiduciaries. S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company.