Predatory Mortgage Lending Practices Reduction Act

Sections Relating to ADR in the follwoing bills:S221 Fair Contracts for Growers;S237/S340/HR371 AG Job Opps, Benefits & Sec;S622/HR2135 Compet & Fair AG Mkts;S1135 FairArbs;S1348/S1639 Compre Immig Reform;HR1443 Consumer Fairns;HR1519 Amer Homebuyers Protection;HR1645 STRIVE;S1782/HR3010 Arb Fairns;HR2061 Predatory Lend Pract;S2302 Food & Energy Sec;HR2419 Farm Bill Ext;S2554/HR5129 Civil Rts;HR3915 Mgtg Reform;HR5312 Auto Arb Fariness Act

Client expense: Not reported · Firm income: Not reported

Sections Relating to ADR in the follwoing bills:S221 Fair Contracts for Growers;S237/S340/HR371 AG Job Opps, Benefits & Sec;S622/HR2135 Compet & Fair AG Mkts;S1135 FairArbs;S1348/S1639 Compre Immig Reform;HR1443 Consumer Fairns;HR1519 Amer Homebuyers Protection;HR1645 STRIVE;S1782/HR3010 Arb Fairns;HR2061 Predatory Lend Pract;S2302 Food & Energy Sec;HR2419 Farm Bill Ext;S2554/HR5129 Civil Rts;HR3915 Mgtg Reform;HR5312 Auto Arb Fariness Act

Client expense: Not reported · Firm income: Not reported

Sections Relating to ADR in the follwoing bills:S221 Fair Contracts for Growers;S237/S340/HR371 AG Job Opps, Benefits & Sec;S622/HR2135 Compet & Fair AG Mkts;S1135 FairArbs;S1348/S1639 Compre Immig Reform;HR1443 Consumer Fairns;HR1519 Amer Homebuyers Protection;HR1645 STRIVE;S1782/HR3010 Arb Fairns;HR2061 Predatory Lend Pract;S2302 Food & Energy Sec;HR2419 Farm Bill Ext;S2554/HR5129 Civil Rts;HR3915 Mgtg Reform;HR5312 Auto Arb Fariness Act

Client expense: Not reported · Firm income: Not reported

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 Transparency 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 HR 6076: Home Retention and Economic Stabilization Act of 2008 HR 6254: Temporary FHA Direct Endorsement Lender Participation Act of 2008 HR 1424: Emergency Economic Stabilization Act of 2008 HConRes 391: Recognizing the disparities that are associated with predatory lending abuses in minority communities and expressing the sense of the Congress that as new abuses continue to emerge, such laws should ensure that all those responsible for representing and protecting families have the authority to act to address these new problems HR 6312: Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 S.3738: Home Retention and Economic Stabilization Act of 2008

Client expense: $300,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

HR2061 Preditory Lending Practices; S1135 Fair Arb Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act H.R. 3013/S. 186/S. 3217, all provisions of the Attorney-Client Privilege Protection Act S. 221, all provisions of the Fair Contracts for Growers Act General background on legal reform issues S. 1135, all provisions of the Fair Arbitration Act H.R. 2419, the arbitration-related provisions contained in section 11102 of the Farm, Nutrition, and Bioenergy Act H.R. 2135, the arbitration-related provisions of the Competitive and Fair Agricultural Markets Act H.R. 3915, the arbitration-related provisions in section 206 of the Mortgage Reform and Anti-Predatory Lending Act S. 1782/H.R. 3010, all provisions of the Arbitration Fairness Act Mass tort litigation/medical screening reform General background on discovery reform General background on the preservation of the attorney-client privilege P.L. 109-2, all provisions of the Class Action Fairness Act S. 2449/H.R. 5884, all provisions of the Sunshine in Litigation Act S. 2636, the arbitration-related provisions of the Foreclosure Prevention Act S. 2554/H.R. 5129, the arbitration-related provisions of the Civil Rights Act of 2008 H.R. 5312, all provisions of the Automobile Arbitration Fairness Act H.R. 1519, the arbitration-related provisions of the American Homebuyers Protection Act H.R. 1443, the arbitration related-provisions of the Consumer Fairness Act H.R. 2061, the arbitration-related provisions of the Predatory Mortgage Lending Practices Reduction Act H.R. 3393, the arbitration-related provisions of the Reservist Access to Justice Act S. 2838/H.R. 6126, all provisions of the Fairness in Nursing Home Arbitration Act H.R. 5913, all provisions of the Protecting Americans from Unsafe Foreign Products Act H.R. 7080, all provisions of the Stop Trial Lawyer Pork Act of 2008 S. 742/H.R. 3285, all provisions of the Ban Asbestos in America Act H.R. 3339, all provisions of the Bruce Vento Ban Asbestos and Prevent Mesothelioma Act S. 1267/H.R. 2102, all provisions of the Free Flow of Information Act

Client expense: $9,600,000 · Firm income: Not reported

Government targets: Consumer Product Safety Commission (CPSC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR.2061, Predatory Mortgage Lending Practices Reduction Act HR.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number. RESPA Reform: H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 (Sections Pertaining to Real Estate Settlement) Consulation with HUD, OMB, and House of Representatives Regarding GFEs and HUD-1 Standards Money Laundering: Disscusion with Treasury Regarding Potential Regulation of Financial Action Task Force (FATF) Guideliness Government Purchase of Troubled Mortgage Assets: H.R. 3997 - Emergency Economic Stabilization Act of 2008 H.R. 1424 - Emergency Economic Stabilization Act of 2008

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

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

Help ensure rationality, fairness and more certainty in legal system (including H.R. 2183, S. 1323, S. 221, S. 1782, H.R. 3010, H.R. 1443, H.R. 1519, H.R. 2061, H.R. 2135, H.R. 3010/S. 1782, H.R. 3393, H.R. 3512, H.R. 3915, H.R. 4040, H.R. 5129, H.R. 5312, H.R. 6049, S. 814, H.R. 6126, S. 2041/H.R. 4854, S. 2045/S. 2663, S. 2449/H.R. 5884, S. 2554, S. 2636, S. 2838).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R 1424, "The Emergency Economic Stabilization Act of 2008," issues related to the financial services industry. H.R. 3221, "American Housing Rescue and Foreclosure Prevention Act of 2008," issues related to the financial services industry. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending. H.R. 5818, "Neighborhood Stablization Act of 2008," issues related to mortgage lending. H.R. 5579, "Emergency Mortgage Loan Modification Act of 2008," issues related to mortgage lending. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008," issues related to mortgage lending. H.R. 5679, "The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008," issues related to mortgage lending. H.R. 634, "The Federal Housing Finance Regulatory Reform Act of 2008," issues related to mortgage lending. H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. Issues related to the current financial crisis, TARP, the Federal Reserve's proposed changes to the HOEPA and Reg C regulations, RESPA, the HOPE NOW Alliance, FHASecrure, HOPE for Homeowners, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, issues related to mortgage broker licensing, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, issues relating to the preemptive authority of the Office of the Comptroller of the Currency, issues related to the NY Attorney General's Agreement with the GSEs on appraisals, issues related to credit rating agencies, issues related to Mark to Market accounting.

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

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R.1427, Federal Housing Finance Reform Act of 2007, GSE reform issues. S.1299, Borrowers Protection Act 2007, subprime issues. H.R.2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgage Practices Act of 2007, subprime issues. H.R. 3133, Financial Literacy for Homeowners's Act, subprime issues. S. 1222, Stop Fraud Act, subprime issues. S.3260/H.R.7323, Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. S.2133, Home Owners' Mortgage and Equity Savings Act, Housing issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues. H.R.2091/S.1963, To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds, Housing issues. H.R.1424, Emergency Economic Stabilization Act, Subprime issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.1299, Borrower's Protection Act of 2007, subprime issues. H.R. 2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgages Practices Act of 2007, subprime issues. H.R.3133, Financial Literacy for Homeowners Act, subprime issues. S.1222, Stop Fraud Act, subprime issues. S.3260/H.R.7323, Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. H.R.3221/S.3221, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the Real Estate Settlement Procedures Act and new HUD regulations. Issues related to the regulation of GSEs and limits on their powers, particularly H.R. 1427 and S.2391 and following legislation H.R. 3221. Issues related to predatory lending, particularly H.R. 2061, H.R. 3915 and S. 2391.

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

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

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 Transparency 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 HR 6076: Home Retention and Economic Stabilization Act of 2008 HR 6254: Temporary FHA Direct Endorsement Lender Participation Act of 2008 HR 1424: Emergency Economic Stabilization Act of 2008 HConRes 391: Recognizing the disparities that are associated with predatory lending abuses in minority communities and expressing the sense of the Congress that as new abuses continue to emerge, such laws should ensure that all those responsible for representing and protecting families have the authority to act to address these new problems HR 6312: Credit Union, Bank, and Thrift Regulatory Relief Act of 2008

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

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

HR2061 Preditory Lending Practices; S1135 Fair Arb Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Help ensure rationality, fairness and more certainty in legal system (including H.R. 2183, S. 1323, S. 221, S. 1782, H.R. 3010, H.R. 1443, H.R. 1519, H.R. 2061, H.R. 2135, H.R. 3010/S. 1782, H.R. 3393, H.R. 3512, H.R. 3915, H.R. 4040, H.R. 5129, H.R. 5312, H.R. 6049, S. 814, H.R. 6126, S. 2041/H.R. 4854, S. 2045/S. 2663, S. 2449/H.R. 5884, S. 2554, S. 2636, S. 2838).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR.2061, Predatory Mortgage Lending Practices Reduction Act HR.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1178 / 806 (Identity Theft Prevention Act of 2007) - Provisions related to data security and regulatory structure. H.R. 220 (Identity Theft Prevention Act of 2007) - Provisions related to data security. H.R. 2061 (The Predatory Mortgage Lending Practices Reduction Act) - All provisions related to consumer protection. H.R. 3046 (Social Security Number Privacy and Identity Theft Prevention Act of 2007) - Provisions related to SSN and Mortgages. H.R. 3915 (Mortgage Reform and Anti-Predatory Lending Act of 2007) - All provisions related to lending. S. 2136 (Helping Families Save Their Homes in Bankruptcy Act of 2007) - Provisions related to loan modification.

Client expense: $1,310,000 · Firm income: Not reported

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

H.R. 3013/S. 186/S. 3217, all provisions of the Attorney-Client Privilege Protection Act S. 1267/H.R. 2102, all provisions of the Free Flow of Information Act S. 221, all provisions of the Fair Contracts for Growers Act General background on legal reform issues S. 1135, all provisions of the Fair Arbitration Act H.R. 2419, the arbitration-related provisions contained in section 11102 of the Farm, Nutrition, and Bioenergy Act H.R. 2135, the arbitration-related provisions of the Competitive and Fair Agricultural Markets Act H.R. 3915, the arbitration-related provisions contained in section 206 of the Mortgage Reform and Anti-Predatory Lending Act S. 1782, H.R. 3010, all provisions of the Arbitration Fairness Act Mass tort litigation/medical screening reform and investigations (no specific legislation introduced) General background on discovery reform General background on the preservation of the attorney-client privilege P.L. 109-2, all provisions of the Class Action Fairness Act S. 2449/H.R. 5884, all provisions of the Sunshine in Litigation Act S. 2636, the arbitration-related provisions of the Foreclosure Prevention Act S. 2554/H.R. 5129, the arbitration-related provisions of the Civil Rights Act of 2008 H.R. 5312, all provisions of the Automobile Arbitration Fairness Act H.R. 1519, the arbitration-related provisions of the American Homebuyers Protection Act H.R. 1443, the arbitration related-provisions of the Consumer Fairness Act H.R. 2061, the arbitration-related provisions of the Predatory Mortgage Lending Practices Reduction Act H.R. 3393, the arbitration-related provisions of the Reservist Access to Justice Act S. 2838/H.R. 6126, all provisions of the Fairness in Nursing Home Arbitration Act H.R. 5913, all provisions of the Protecting Americans from Unsafe Foreign Products Act H.R. 7080, all provisions of the Stop Trial Lawyer Pork Act of 2008 S. 742/H.R. 3285, all provisions of the Ban Asbestos in America Act H.R. 3339, all provisions of the Bruce Vento Ban Asbestos and Prevent Mesothelioma Act

Client expense: $9,010,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 3221, "American Housing Rescue and Foreclosure Prevention Act of 2008," issues related to the financial services industry. H.R 1424, "The Emergency Economic Stabilization Act of 2008," issues related to the financial services industry. H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R. 3915, "The Mortgage Reform and Anti-Predatory Lending Act of 2007," issues related to the housing market and predatory lending. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform. S. 2338, "FHA Modernization Act of 2007," issues related to FHA modernization. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to FHA and GSE conforming loan limits. S. 2391, "GSE Mission Improvement Act," issues related to government sponsored enterprises. S. 2036, "Protecting Access to Safe Mortgages Act ," issues related to GSE conforming loan limits. H.R. 3777, "Protecting Access to Safe Mortgages Act," issues related to GSE conforming loan limits. H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2487, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending. H.R. 5818, "Neighborhood Stablization Act of 2008," issues related to mortgage lending. H.R. 5579, "Emergency Mortgage Loan Modification Act of 2008," issues related to mortgage lending. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008," issues related to mortgage lending. H.R. 5679, "The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008," issues related to mortgage lending. H.R. 634, "The Federal Housing Finance Regulatory Reform Act of 2008," issues related to mortgage lending. H.R. Issues related to the current financial crisis, the Federal Reserve's proposed changes to the HOEPA and Reg C regulations, RESPA, the HOPE NOW Alliance, FHASecrure, HOPE for Homeowners, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, issues related to mortgage broker licensing, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers,issues relating to the preemptive authority of the Office of the Comptroller of the Currency, issues related to the NY Attorney General's Agreement with the GSEs on appraisals, issues related to credit rating agencies, issues related to Mark to Market accounting

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

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number. RESPA Reform: H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 (Sections Pertaining to Real Estate Settlement) Consulation with HUD, OMB, and House of Representatives Regarding GFEs and HUD-1 Standards Mortgage Licensing: H.R. 3221 -- Foreclosure Prevention Act of 2008. Provisions pertaining to licensing standards for mortgage brokers. Money Laundering: Disscusion with Treasury Regarding Potential Regulation of Financial Action Task Force (FATF) Guideliness Government Purchase of Troubled Mortgage Assets: H.R. 3997 - Emergency Economic Stabilization Act of 2008 H.R. 1424 - Emergency Economic Stabilization Act of 2008

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

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

S.1299, Borrower's Protection Act of 2007, subprime issues. H.R. 2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgages Practices Act of 2007, subprime issues. H.R.3133, Financial Literacy for Homeowners Act, subprime issues. S.1222, Stop Fraud Act, subprime issues. S.3260/H.R. TBD, Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. H.R.3221/S.3221, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1427, Federal Housing Finance Reform Act of 2007, GSE reform issues. S.1299, Borrowers Protection Act 2007, subprime issues. H.R.2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgage Practices Act of 2007, subprime issues. H.R. 3133, Financial Literacy for Homeowners's Act, subprime issues. S. 1222, Stop Fraud Act, subprime issues. Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. S.2133, Home Owners' Mortgage and Equity Savings Act, Housing issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues. H.R.2091/S.1963, To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds, Housing issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1427 Federal Housing Reform Act of 2007. All Provisions. GSE Reform H.R. 3609 Emergency Home Ownership and Mortgage Equity Protection Act. All Provisions. Modifies certain mortgages on principal residences. H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007. All Provisions. Reforms consumer mortgage practices. 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. 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. 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 (Consumer Fairness 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 ofloan 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 celiain 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 I. 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 to expand the coverage of the appraisal requirements. H.R. 3557, Restore American Dream Act of 2007. All Provisions. 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. 3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Bipartisan 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.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the patt of holders of residential mortgage loans. H.R. 3777, Protecting Access to Safe Mortgages Act. All Provisions. Temporarily raises 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 variesfrom 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 mortgages,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.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.

Client expense: $1,340,000 · Firm income: Not reported

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

Issues related to the Real Estate Settlement Procedures Act and new draft HUD regulations. Issues related to the regulation of GSEs and limits on their powers, particularly H.R. 1427 and S.2391 and following legislation H.R. 3221. Issues related to predatory lending, particularly H.R. 2061, H.R. 3915 and S. 2391.

Client expense: Not reported · Firm income: $5,000

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

HUD Proposal to reform RESPA Regulation H.R. 2061 Predatory Mortgage Lending Practices Reduction Act H.R. 1427 Federal Housing Finance Reform Act of 2007 S. 1100 Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 3221 American Housing Rescue and Foreclosure Prevention Act of 2008

Client expense: $35,000 · Firm income: Not reported

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

H.R. 3010 / S. 1782, Arbitration Fairness Act of 2007 H.R. 4854 / S. 2041, False Claims Act Correction Act of 2007 H.R. 5312, Automobile Arbitration Fairness Act of 2008 S. 2838, Fairness in Nursing Home Arbitration Act S. 2452, Home Ownership Preservation and Protection Act of 2007 H.R. 5129 / S. 2554, Civil Rights Act of 2008 H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 1519, American Homebuyer Protection Act H.R. 1443, Consumer Fairness Act of 2007 H.R. 2061, Predatory Mortgage Lending Practices Reduction Act S. 221, Fair Contracts for Growers Act H.R. 3393, Reservist Access to Justice Act of 2007 H.R. 5884, Sunshine in Litigation Act of 2008

Client expense: $7,890,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Aeronautics & Space Administration (NASA), Natl Guard, Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

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 H.R.6076-Home Retention and Economic Stabilization Act of 2008 HR 6254 -Temporary FHA Direct Endorsement Lender Participation Act of 2008

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

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

HR2061 Preditory Lending Practices;S1135 Fair Arb Act;

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number. RESPA Reform: H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 (Sections Pertaining to Real Estate Settlement) Consulation with HUD, OMB, and House of Representatives Regarding GFEs and HUD-1 Standards Mortgage Licensing: H.R. 3221 -- Foreclosure Prevention Act of 2008. Provisions pertaining to licensing standards for mortgage brokers. Money Laundering: Disscusion with FinCen Regarding Potential Regulation of Financial Action Task Force (FATF) Guideliness

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

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

Help ensure rationality, fairness and more certainty in legal system (including H.R. 2183, S. 1323, S. 221, S. 1782, H.R. 3010, H.R. 1443, H.R. 1519, H.R. 2061, H.R. 2135, H.R. 3010/S. 1782, H.R. 3393, H.R. 3512, H.R. 3915, H.R. 4040, H.R. 5129, H.R. 5312, H.R. 6049, S. 814, H.R. 6126, S. 2041/H.R. 4854, S. 2045/S. 2663, S. 2449/H.R. 5884, S. 2554, S. 2636, S. 2838).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1427 Federal Housing Reform Act of 2007. All Provisions. GSE Reform. H.R.44 Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R.526 Supporting home ownership and responsible lending. All Provisions. Supports home ownership and responsible lending. 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. 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.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. 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. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. 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 (Consumer Fairness 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 ofloan 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 celiain 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 I. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. 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. 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. 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 confOlming 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 variesfrom 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 mortgages,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 patt 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.

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

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

H.R. 3010 / S. 1782, Arbitration Fairness Act of 2007 H.R. 4854 / S. 2041, False Claims Act Correction Act of 2007 H.R. 5312, Automobile Arbitration Fairness Act of 2008 S. 2838, Fairness in Nursing Home Arbitration Act S. 2452, Home Ownership Preservation and Protection Act of 2007 H.R. 5129 / S. 2554, Civil Rights Act of 2008 H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 1519, American Homebuyer Protection Act H.R. 1443, Consumer Fairness Act of 2007 H.R. 2061, Predatory Mortgage Lending Practices Reduction Act S. 221, Fair Contracts for Growers Act H.R. 3393, Reservist Access to Justice Act of 2007 H.R. 5884, Sunshine in Litigation Act of 2008

Client expense: $7,890,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Aeronautics & Space Administration (NASA), Natl Guard, Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

H.R. 3013/S. 186/S. 3217, Attorney-Client Privilege Protection Act S. 1267/H.R. 2102, Free Flow of Information Act S. 221, Fair Contracts for Growers Act General background on legal reform issues S. 1135, the Fair Arbitration Act H.R. 2419, the arbitration-related provisions contained in section 11102 of the Farm, Nutrition, and Bioenergy Act H.R. 2135, the arbitration-related provisions of the Competitive and Fair Agricultural Markets Act H.R. 3915, the arbitration-related provisions contained in section 206 of the Mortgage Reform and Anti-Predatory Lending Act S. 1782/H.R. 3010, Arbitration Fairness Act Mass tort litigation/medical screening reform and investigations General background on discovery reform General background on the preservation of the attorney-client privilege P.L. 109-2, Class Action Fairness Act S. 2449/H.R. 5884, Sunshine in Litigation Act S. 2636, the arbitration-related provisions of the Foreclosure Prevention Act S. 2554/H.R. 5129, the arbitration-related provisions of the Civil Rights Act of 2008 H.R. 5312, Automobile Arbitration Fairness Act H.R. 1519, the arbitration-related provisions of the American Homebuyers Protection Act H.R. 1443, the arbitration related-provisions of the Consumer Fairness Act H.R. 2061, the arbitration-related provisions of the Predatory Mortgage Lending Practices Redution Act H.R. 3393, the arbitration-related provisions of the Reservist Access to Justice Act S. 2838/H.R. 6126, Fairness in Nursing Home Arbitration Act H.R. 5913, Protecting Americans from Unsafe Foreign Products Act

Client expense: $5,920,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, Intl Trade Administration (ITA), Justice, Dept of (DOJ), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

HR.2061, Predatory Mortgage Lending Practices Reduction Act HR.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HUD Proposal to reform RESPA Regulation H.R. 2061 Predatory Mortgage Lending Practices Reduction Act H.R. 1427 Federal Housing Finance Reform Act of 2007 S. 1100 Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 3221 American Housing Rescue and Foreclosure Prevention Act of 2008

Client expense: $57,530 · Firm income: Not reported

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

S. 1178 / 806 (Identity Theft Prevention Act of 2007) - Provisions related to data security and regulatory structure. H.R. 220 (Identity Theft Prevention Act of 2007) - Provisions related to data security. H.R. 2061 (The Predatory Mortgage Lending Practices Reduction Act) - All provisions related to consumer protection. H.R. 3046 (Social Security Number Privacy and Identity Theft Prevention Act of 2007) - Provisions related to SSN and Mortgages. H.R. 3915 (Mortgage Reform and Anti-Predatory Lending Act of 2007) - All provisions related to lending. S. 2136 (Helping Families Save Their Homes in Bankruptcy Act of 2007) - Provisions related to loan modification.

Client expense: $2,290,000 · Firm income: Not reported

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

S.1299, Borrower's Protection Act of 2007, subprime issues. H.R. 2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgages Practices Act of 2007, subprime issues. H.R.3133, Financial Literacy for Homeowners Act, subprime issues. S.1222, Stop Fraud Act, subprime issues. Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. H.R.3221/S.3221, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1427, Federal Housing Finance Reform Act of 2007, GSE reform issues. S.1299, Borrowers Protection Act 2007, subprime issues. H.R.2061, Predatory Mortgage Lending Practices Reduction Act, subprime issues. H.R. 3012, Fair Mortgage Practices Act of 2007, subprime issues. H.R. 3133, Financial Literacy for Homeowners's Act, subprime issues. S. 1222, Stop Fraud Act, subprime issues. Financial Services and General Government Appropriations Bill, FY2009, financial services issues. H.R.1427, Federal Housing Finance Reform Act of 2007, Bank regulation reform issues. S.2133, Home Owners' Mortgage and Equity Savings Act, Housing issues. H.R.3221/S.2636, Foreclosure Prevention Act of 2008, Housing issues and bankruptcy issues. H.R.2091/S.1963, To amend the Internal Revenue Code of 1986 to allow bonds guaranteed by the Federal home loan banks to be treated as tax exempt bonds, Housing issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the Real Estate Settlement Procedures Act and new draft HUD regulations. Issues related to the regulation of GSEs and limits on their powers, particularly H.R. 1427 and S.2391 and following legislation H.R. 3221. Issues related to predatory lending, particularly H.R. 2061, H.R. 3915 and S. 2391.

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

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

H.R. 1427, "Federal Housing Finance Reform Act of 2007," issues related to the secondary market. S. 1100, "Federal Housing Enterprise Regulatory Reform Act of 2007," issues related to the secondary market. H.R. 3915, "The Mortgage Reform and Anti-Predatory Lending Act of 2007," issues related to the housing market and predatory lending. H.R.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform. S. 2338, "FHA Modernization Act of 2007," issues related to FHA modernization. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to FHA and GSE conforming loan limits. S. 2391, "GSE Mission Improvement Act," issues related to government sponsored enterprises. S. 2036, "Protecting Access to Safe Mortgages Act ," issues related to GSE conforming loan limits. H.R. 3777, "Protecting Access to Safe Mortgages Act," issues related to GSE conforming loan limits. H.R. 3081, Fairness for Homeowners Act of 2007," issues related to the Truth in Lending Act (TILA). H.R. 3012, "Fair Mortgage Practices Act of 2007," issues related to mortgage fraud. H.R. 2139, "FHA Manufacturing Housing Loan Modernization Act of 2007," issues related to FHA loans S. 947, "A bill to modernize the Federal Housing Administration to meet the housing needs of the American people," issues related to FHA loans. S. 1222, "Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act," issues related to mortgage lending," issues related to mortgage lending S. 1299, "Borrower's Protection Act of 2007," issues related to mortgage lending H Con Res 127, "Supporting home ownership and responsible lending," issues related to mortgage lending H.R. 2061, "Predatory Mortgage Lending Practices Reduction Act," issues related to mortgage lending H.R. 698, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies S. 1356, "Industrial Bank Holding Company Act of 2007," issues related to Industrial Loan Companies H.R. 1682, "Flood Insurance Reform and Modernization Act of 2007," issues related to the National Flood Insurance Program H.R. 1227, "Gulf Coast Hurricane Housing Recovery Act of 2007," issues related to Katrina Recovery S. 1668, "Gulf Coast Housing Recovery Act of 2007," issues related to Katrina Recovery S. 825, "To provide additional funds for the Road Home program," issues related to Katrina Recovery H.R. 3121, "Flood Insurance Reform and Modernization Act of 2007," issues related to flood insurance. H.R. 3355, "Homeowners' Defense Act of 2007," issues related to flood insurance. H.R. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2487, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments by banks. S. 2452, "Homeownership Preservation and Protection Act of 2007," issues related to mortgage lending. H.R. 4019, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. S. 2153, "Mortgage Disclosure Improvement Act of 2007," issues related to mortgage disclosures. H.R. 3211, "Foreclosure Prevention Act of 2008," issues related to mortgage lending. S. 2595, "Secure and Fair Enforcement for Mortgage Licensing Act of 2008, or S.A.F.E. Mortgage Licensing Act of 2008," issues related to the licensing of loan originators. H.R. 5140, "Economic Stimulus Act of 2008;" issues related to mortgage lending. H.R. 5818, "Neighborhood Stablization Act of 2008," issues related to mortgage lending. H.R. 5579, "Emergency Mortgage Loan Modification Act of 2008," issues related to mortgage lending. H.R. 5830, "FHA Housing Stabilization and Homeowner Retention Act of 2008," issues related to mortgage lending. H.R. 5679, "The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008," issues related to mortgage lending. H.R. 634, "The Federal Housing Finance Regulatory Reform Act of 2008," issues related to mortgage lending. Issues related to the subprime mortgage situation, the Joint Federal Financial Regulatory Agencies' Subprime Statement, issues related to the Joint Federal Financial Regulatory Agencies' Nontraditional Mortgage Guidance, the Federal Reserve's proposed changes to the HOEPA regulations, RESPA, the HOPE NOW Alliance, mortgage-backed securities, Truth in Lending Act, mortgage, reform, mortgage broker compensation, subprime lending, privacy, secondary mortgage market, issues related to the Home Mortgage Disclosure Act ("HMDA"), provisions relating to notices and disclosures to be given to mortgage borrowers, pending legislation to create a new regulator for housing GSEs, issues relating to the preemptive authority of the Office of the Comptroller of the Currency, issues related to the NY Attorney General's Agreement with the GSEs on appraisals.

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

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Sections Relating to ADR in the following bills:S221 Fair Contracts for Growers;S237/S340/HR371 AG Job Opps, Benefits & Sec; S622/HR2135 Competitive & Fair AG Mkts;S1135 Fair Arb;S1348/S1639 Comprehensiv Immig Reform;HR1443 Consumer Fairns; HR1519 Amer Homebuyers Protection;HR1645 STRIVE;S1782/HR3010 Arb Fairns;HR2061 Predatory Lend Pract;S2302 Food & Energy Sec;HR2419 Farm Bill Ext;S2554/HR5129 Civil Rts;HR3915 Mgtg Reform;HR5312 Auto Arb Fairness Act

Client expense: Not reported · Firm income: Not reported

Sections Relating to ADR in the following bills:S221 Fair Contracts for Growers;S237/S340/HR371 AG Job Opps, Benefits & Sec; S622/HR2135 Competitive & Fair AG Mkts;S1135 Fair Arb;S1348/S1639 Comprehensiv Immig Reform;HR1443 Consumer Fairns; HR1519 Amer Homebuyers Protection;HR1645 STRIVE;S1782/HR3010 Arb Fairns;HR2061 Predatory Lend Pract;S2302 Food & Energy Sec;HR2419 Farm Bill Ext;S2554/HR5129 Civil Rts;HR3915 Mgtg Reform;HR5312 Auto Arb Fairness Act

Client expense: Not reported · Firm income: Not reported

Sections Relating to ADR in the following bills:S221 Fair Contracts for Growers;S237/S340/HR371 AG Job Opps, Benefits & Sec; S622/HR2135 Competitive & Fair AG Mkts;S1135 Fair Arb;S1348/S1639 Comprehensiv Immig Reform;HR1443 Consumer Fairns; HR1519 Amer Homebuyers Protection;HR1645 STRIVE;S1782/HR3010 Arb Fairns;HR2061 Predatory Lend Pract;S2302 Food & Energy Sec;HR2419 Farm Bill Ext;S2554/HR5129 Civil Rts;HR3915 Mgtg Reform;HR5312 Auto Arb Fairness Act

Client expense: Not reported · Firm income: Not reported