FHA Manufactured Housing Loan Modernization Act of 2007

Issues related to the implementation of the Manufactured Housing Improvement Act of 2000 and related issues. Issues related to FHA loan limits and reforms for manufactured housing, particularly H.R. 2139 and S. 1741, the FHA Manufactured Housing Loan Modernization Act of 2007. Issues related to requiring weather radios in manufactured housing, particularly H.R. 2787 and S. 2724. Issues related to Government Sponsored Enterprises and their duty to assist underserved markets, particularly H.R. 1427 and S. 2391 and including H.R. 5830 and H.R. 3221,dealing with efforts to stabilize the housing and mortgage crisis. Issues related to utilization of manufactured housing in the FEMA Accountability Act of 2008 (S.2382 and H.R. 4830) Any other issues related to manufactured housing generally.

Client expense: Not reported · Firm income: Not reported

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

H.R. 1852, Expanding American Homeownership Act of 2007. All Provisions. Modernizes and updates the National Housing Act and enables the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes (FHA Reform Bill). S.2338, FHA Modernization Act of 2007. All Provisions. Modernizes the National Housing Act and enable the Federal Housing Administration to more effectively reach underserved borrowers. H.R.3221, Foreclosure Prevention Act of 2008. All provisions. Provides for FHA Modernization, Modernization of the FHA Manufactured Housing Program, Mortgage Foreclosure Protections for Service Members, Emergency Assistance for the Redevelopment of Abandoned and Foreclosed Homes, and Matters. H.R. 1851, Section 8 Voucher Reform Act of 2007. All Provisions. Reforms the housing choice voucher program: section 8 of US Housing Act of 1937. S.2636, Foreclosure Prevention Act of 2008. All provisions. This is the original Democratic proposal for addressing the housing crisis. It's main provision would allow bankruptcy judges to renegotiate the terms of home mortgages. This bill would also increase the number of tax-exempt mortgage revenue bonds available for refinancing subprime mortgages, provide community development money for fixing up foreclosed homes, tax breaks for businesses, and more. A new, bipartisan version of this bill has been drafted and considered by the Senate as an amendment to H.R.3221 S.947,21st Century Housing Act. All Provisions. Modernizes FHA. H.R.1227, Gulf Coast Hurricane Housing Recovery Act of 2007. All Provisions. Assists in the provision of affordable housing to low-income families affected by Katrina. S.1265, A bill to amend title 38, United States Code, to expand eligibility for veterans' mortgage life insurance to include members. All provisions. Expands eligibility for veterans' mortgage life insurance to include members of the Armed Forces receiving specially adapted housing assistance from the VA Dept. S.1315, Veterans' Benefits Enhancement Act of 2007. All Provisions. Enhances life insurance benefits for disabled veterans. S.1326, Comprehensive Veterans Benefits Improvements Act of 2007. All Provisions. Improves compensation, pension, health care, housing, burial, and other benefits. S.1386, Homeownership Protection and Enhancement Act of 2007. All Provisions. Reauthorizes and revises requirements for assistance with respect to housing for low- and moderate-income families. S.1668, Gulf Coast Housing Recovery Act of 2007. All Provisions. Assists in providing affordable housing to those affected by the 2005 hurricanes. H.R. 1723, Fair FHA Appraisals Act of 2007. All Provisions. Ensures fair appraisals in connection with mortgages insured under the FHA single family mortgage insurance program. S.1733, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Program. S.1741, FHA Manufactured Housing Loan Modernization Act of 2007. All Provisions. Modernizes the manufactured housing loan insurance program under title I of the National Housing Act. H.R.1750, To amend the Servicemembers Civil Relief Act to extend from 90 days to one year the period after release of a member of the Armed Forces from active duty. All Provisions. Extends from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure. H.R. 1752, Expanding American Homeownership Act of 2007. All Provisions. Modernizes and updates the National Housing Act; FHA to use risk-based pricing. S.1805, FHA Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to housing insured by FHA. H.R.1850, Housing America's Workforce Act. All Provisions. Incentives for employer-provided employee housing assistance. S. 2008, HOME Act. All Provisions. Reforms single family housing loan guarantee program under Housing Act of 1949. H.R.2139, FHA Manufactured Housing Loan Modernization Act of 2007. All Provisions. Modernizes the manufactured housing loan insurance program under title I of the National Housing Act. S.2325, Expanding American Homeownership Act of 2007. All Provisions. Seeks to modernize and update the National Housing Act and enable the FHA to use risk-based pricing to more effectively reach underserved borrowers and for other purposes. S.2343, Real Estate Transparency Act of 2007. All Provisions. A bill to amend the Real Estate Settlement Procedures Act to require mortgage originators to make their fees more transparent. S.2386, Mortgage and Rental Disaster Relief Act of 2007. All Provisions. Amends the Robert T. Stafford Disaster Relief and Emergency Assistance Act, authorizes temporary mortgage and rental payments. S. 2455, Community Foreclosure Assistance Act of 2007. All Provisions. Seeks to provide $1,000,000,000 in emergency Community Development Block Grant funding for necessary expenses related to the impact of foreclosures on communities. H.R.2475, Veteran Home Equity Conversation Mortgage Act of 2007. All Provisions. Authorizes the Secretary of the VA to guarantee home equity conversion mortgages for elderly veteran homeowners. H.R. 2599, Inactive Reservists Foreclosure Prevention Act of 2007. All Provisions. HUD financial aid for mortgages to Reservists and Nat'l Guardsmen in active duty. H.R.3965, Mark-to-Market Extension and Enhancement Act of 2007. All Provisions. Extends for 5 years the Mark-to-Market program of HUD. H.R.5830, FHA Housing Stabilization and Homeownership Retention Act of 2008. All Provisions. Creates a voluntary FHA program that provides mortgage refinancing assistance to allow families to stay in their homes, protect neighborhoods, and help stabilize the housing market. H.R. 2697, To amend title 38, United States Code, to expand eligibility for veterans' mortgage life insurance to include members of the Armed Forces receiving specially adapted housing assistance from the Department of Veterans Affairs. Section 1. All Provisions. Makes eligible for veterans' mortgage life insurance members of the Armed Forces receiving specially adapted housing assistance through the Department of Veterans Affairs (VA). H.R. 2926, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Programs H.R. 3019, Expand and Preserve Home Ownership Through Counseling Act. All Provisions.Establishes Office of Housing Counseling. H.R. 3133, Financial Literacy for Homeowners Act. All Provisions. State grants for educational programs to inform of predatory lending. H.R. 3725, Mortgage Disclosure Simplification Act of 2007. All Provisions. Amends the Real Estate Settlement Procedures Act: requires submission to each borrower under a federally related mortgage loan of a one-page description of the essential terms of the loan. H.R. 127, FHA Multifamily Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to FHA mortgage insurance for multifamily housing in high-cost areas. S.131,Mark-to-Market Extension Act of 2007. All Provisions.Extends for 5 years the Mark-to-Market program of HUD. H.R.551, Homeownership for America's Veterans Act. All Provisions.Eligibility of veterans for mortgage bond financing. H.R. 568, Reverse Mortgages to Help America's Seniors Act. All Provisions. Removes the limitation on the number of reverse mortgages that may be insured under the FHA mortgage insurance program for such mortgages.

Issues related to the implementation of the Manufactured Housing Improvement Act of 2000 and related issues. Issues related to FHA loan limits and reforms for manufactured housing, particularly H.R. 2139 and S. 1741, the FHA Manufactured Housing Loan Modernization Act of 2007. Issues related to requiring weather radios in manufactured housing, particularly H.R. 2787 and S. 2724. Issues related to Government Sponsored Enterprises and their duty to assist underserved markets, particularly H.R. 1427 and S. 2391 and including H.R. 5830 and H.R. 3221,dealing with efforts to stabilize the housing and mortgage crisis. Any other issues related to manufactured housing generally.

Client expense: Not reported · Firm income: Not reported

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.

FHA Reform: H.R. 1752 - Expanding American Homeownership Act S. 947 - 21st Centurty Housing Act FHA Reform, continued: H.R. 1852 - Expanding American Homeownership Act S. 2338 - FHA Modernization Act of 2007 H.R. 2139 - FHA Manufactured Housing Loan Modernization Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions related to FHA Loan Limits) H.R. 3221 - A bill to provide needed housing reform and other purposes (Provisions related to FHA Loan Limits) Section 8 Housing Reform: H.R. 1851/S. 2684 - The Section 8 Voucher Reform Act of 2007 H.R. 3965 - The Mark-to-Market Extension & Enhancement Act of 2007 Development of Affordable Housing Trust Fund: H.R. 2895 -National Affordable Housing Trust Fund Act of 2007 S. 2523 - National Affordable Housing Trust Fund Act of 2007 Expanding Home Loan Opportunities for Native Americans: H.R. 3002 - Native American Economic Development and Infrastructure for Housing Act of 2007 H.R. 1676 - Native American Home Ownership Opportunity Act of 2007 Rural Housing: H.R. 1982 - The Rural Housing & Economic Development Act H.R. 3878 - The Section 515 Rural Housing Property Transfer Improvement Act of 2007 Veterans Housing: H.R. 2385 - The 21st Century GI Bill of Rights Act of 2007 S. 1409 - The 21st Century GI Bill of Rights Act of 2007 H.R. 4884 - Helping Our Veterans to Keep Their Homes Act of 2008 H.R. 4539 - Department of Veterans Affairs Loan Guaranty Cost Reduction Act of 2007 H.R. 5566/5561; S. 2768 - Veterans Mortgage Stimulus Clarification Act of 2008 (To raise VA Loan Limits) Appraisal Reform: H.R. 1723 - Fair FHA Appraisal Act S. 1222 - STOP FRAUD Act Other Issues: Farm Credit Home Loans: H.R. 2419 - Food & Energy Security Act of 2007 Elderly Housing: H.R. 2930 - The Section 202 Supportive Housing for the Elderly Act of 2007 Housing in the Gulf: H.R. 1227 - Gulf Coast Hurricane Housing Recovery Act of 2007 Monies for International Housing Efforts: H.R. 2764 - Department of State, Foreign Operations & Related Programs Appropriations Act, 2008 Low-income Housing Assistance: S. 1386 - Homeownership Protection and Enhancement Act of 2007 Expansion of the HOPE VI Program: H.R. 3524 - HOPE VI Improvement and Reauthorization Act of 2007

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 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.

H.R.3221, Foreclosure Prevention Act of 2008. All provisions. Provides for FHA Modernization, Modernization of the FHA Manufactured Housing Program, Mortgage Foreclosure Protections for Service Members, Emergency Assistance for the Redevelopment of Abandoned and Foreclosed Homes, and Matters. S.2636, Foreclosure Prevention Act of 2008. All provisions. This is the original Democratic proposal for addressing the housing crisis. It's main provision would allow bankruptcy judges to renegotiate the terms of home mortgages. This bill would also increase the number of tax-exempt mortgage revenue bonds available for refinancing subprime mortgages, provide community development money for fixing up foreclosed homes, tax breaks for businesses, and more. A new, bipartisan version of this bill has been drafted and considered by the Senate as an amendment to H.R.3221 S.947,21st Century Housing Act. All Provisions. Modernizes FHA. H.R.1227, Gulf Coast Hurricane Housing Recovery Act of 2007. All Provisions. Assists in the provision of affordable housing to low-income families affected by Katrina. S.1265, A bill to amend title 38, United States Code, to expand eligibility for veterans' mortgage life insurance to include members. All provisions. Expands eligibility for veterans' mortgage life insurance to include members of the Armed Forces receiving specially adapted housing assistance from the VA Dept. S.1315, Veterans' Benefits Enhancement Act of 2007. All Provisions. Enhances life insurance benefits for disabled veterans. S.1326, Comprehensive Veterans Benefits Improvements Act of 2007. All Provisions. Improves compensation, pension, health care, housing, burial, and other benefits. S.1386, Homeownership Protection and Enhancement Act of 2007. All Provisions. Reauthorizes and revises requirements for assistance with respect to housing for low- and moderate-income families. S.1668, Gulf Coast Housing Recovery Act of 2007. All Provisions. Assists in providing affordable housing to those affected by the 2005 hurricanes. H.R. 1723, Fair FHA Appraisals Act of 2007. All Provisions. Ensures fair appraisals in connection with mortgages insured under the FHA single family mortgage insurance program. S.1733, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Program. S.1741, FHA Manufactured Housing Loan Modernization Act of 2007. All Provisions. Modernizes the manufactured housing loan insurance program under title I of the National Housing Act. H.R.1750, To amend the Servicemembers Civil Relief Act to extend from 90 days to one year the period after release of a member of the Armed Forces from active duty. All Provisions. Extends from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure. H.R. 1752, Expanding American Homeownership Act of 2007. All Provisions. Modernizes and updates the National Housing Act; FHA to use risk-based pricing. S.1805, FHA Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to housing insured by FHA. H.R.1850, Housing America's Workforce Act. All Provisions. Incentives for employer-provided employee housing assistance. H.R. 1851, Section 8 Voucher Reform Act of 2007. All Provisions. Reforms the housing choice voucher program: section 8 of US Housing Act of 1937. H.R.1852, Expanding American Homeownership Act of 2007. All Provisions. Enables the FHA to use risk-based pricing (FHA Reform Bill) S. 2008, HOME Act. All Provisions. Reforms single family housing loan guarantee program under Housing Act of 1949. H.R.2139, FHA Manufactured Housing Loan Modernization Act of 2007. All Provisions. Modernizes the manufactured housing loan insurance program under title I of the National Housing Act. S.2325, Expanding American Homeownership Act of 2007. All Provisions. Seeks to modernize and update the National Housing Act and enable the FHA to use risk-based pricing to more effectively reach underserved borrowers and for other purposes. S.2338, FHA Modernization Act of 2007. All Provisions. Modernizes the National Housing Act and enable the Federal Housing Administration to more effectively reach underserved borrowers. S.2343, Real Estate Transparency Act of 2007. All Provisions. A bill to amend the Real Estate Settlement Procedures Act to require mortgage originators to make their fees more transparent. S.2386, Mortgage and Rental Disaster Relief Act of 2007. All Provisions. Amends the Robert T. Stafford Disaster Relief and Emergency Assistance Act, authorizes temporary mortgage and rental payments. S. 2455, Community Foreclosure Assistance Act of 2007. All Provisions. Seeks to provide $1,000,000,000 in emergency Community Development Block Grant funding for necessary expenses related to the impact of foreclosures on communities. H.R.2475, Veteran Home Equity Conversation Mortgage Act of 2007. All Provisions. Authorizes the Secretary of the VA to guarantee home equity conversion mortgages for elderly veteran homeowners. H.R. 2599, Inactive Reservists Foreclosure Prevention Act of 2007. All Provisions. HUD financial aid for mortgages to Reservists and Nat'l Guardsmen in active duty. H.R. 2697, To amend title 38, United States Code, to expand eligibility for veterans' mortgage life insurance to include members of the Armed Forces receiving specially adapted housing assistance from the Department of Veterans Affairs. Section 1. All Provisions. Makes eligible for veterans' mortgage life insurance members of the Armed Forces receiving specially adapted housing assistance through the Department of Veterans Affairs (VA). H.R. 2926, Housing Fairness Act of 2007. All Provisions. Funds for the Fair Housing Initiatives Programs H.R. 3019, Expand and Preserve Home Ownership Through Counseling Act. All Provisions.Establishes Office of Housing Counseling. H.R. 3133, Financial Literacy for Homeowners Act. All Provisions. State grants for educational programs to inform of predatory lending. H.R.3221, Foreclosure Prevention Act of 2008. All Provisions. Provides for FHA Modernization, Modernization of the FHA Manufactured Housing Program, Mortgage Foreclosure Protections for Service Members, Emergency Assistance for the Redevelopment of Abandoned and Foreclosed Homes, and Matters. H.R. 3725, Mortgage Disclosure Simplification Act of 2007. All Provisions. Amends the Real Estate Settlement Procedures Act: requires submission to each borrower under a federally related mortgage loan of a one-page description of the essential terms of the loan. H.R.3965, Mark-to-Market Extension and Enhancement Act of 2007. All Provisions. Extends for 5 years the Mark-to-Market program of HUD. H.R. 127, FHA Multifamily Loan Limit Adjustment Act of 2007. All Provisions. Increases mortgage amount limits applicable to FHA mortgage insurance for multifamily housing in high-cost areas. S.131,Mark-to-Market Extension Act of 2007. All Provisions.Extends for 5 years the Mark-to-Market program of HUD. H.R.551, Homeownership for America's Veterans Act. All Provisions.Eligibility of veterans for mortgage bond financing. H.R. 568, Reverse Mortgages to Help America's Seniors Act. All Provisions. Removes the limitation on the number of reverse mortgages that may be insured under the FHA mortgage insurance program for such mortgages.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

Client expense: $97,453 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Intl Trade Administration (ITA), Occupational Safety & Health Administration (OSHA), SENATE, Transportation, Dept of (DOT), Treasury, Dept of

Issues related to implementing the Manufactured Housing Improvement Act of 2000 and related issues. Issues related to FHA loan limits and reforms for manufactured housing, particularly H.R. 2139 and S. 1741, the FHA Manufactured Housing Loan Modernization Act of 2007. Issues related to Govenment Sponsored Enterprises need to assist underserved markets, particularly H.R. 1427 and S 2391. Issues related to the treatment of manufactured housing loans for purposes of subprime and predatory lending, particularly in H.R.2061, H.R. 3915 and S. 2452. Issues related to requiring weather radios in manufactured housing, particularly H.R. 2787 and S.2724. Issues related to the treatment of manufactured housing in any economic stimulus package being considered.

Client expense: Not reported · Firm income: Not reported

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

HR 2139 To Modernize the manufactured housing loan insurance program under title I of the National Housing Act

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1427 Federal Housing Finance Reform Act GSE Reform; H.R. 2139/S. 1741 FHA Title I Reform Modernizes the manufactured housing loan insurance program under title I of the National Housing At; H.R. 1852, 1752, S. 2388 FHA Title II Reform -- Modernizes and update the National Housing Act and enable the Federal Housing Administration; Data Security legislation -- small business concerns

Client expense: $170,333 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. International Trade Commission (ITC)

Issues related to implementing the Manufactured Housing Improvement Act of 2000 and related issues. Issues related to FHA loan limits and reforms for manufactured housing, particularly H.R. 2139 and S. 1741, the FHA Manufactured Housing Loan Modernization Act of 2007. Issues related to Govenment Sponsored Enterprises need to assist underserved markets, particularly H.R. 1427 and S 2391.

Client expense: Not reported · Firm income: Not reported

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

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

17a.Office of Federal Housing Enterprise Oversight 17a.Office of the Comptroller of the Currency 17a. Office of Thrift Supervision 17a. Federal Deposit Insurance Corporation 17a. Federal Reserve System 17a. Federal Trade Commission 17a. General Accountability Office 17a. Securities and Exchange Commission 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. H.R. 2895, "National Affordable Housing Trust Fund Act of 2007," issues related to mortgage lending 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. 1066, "Depository Institution Community Development Investments Enhancement Act," issues related to public welfare investments. H.R. 958, "Data Accountability and Trust Act," issues related to data security S. 495, "Personal Data Privacy and Security Act of 2007," issues related to data security S. 1178, "Identity Theft Prevention Act," issues related to data security Issues related to the Joint Federal Financial Regulatory Agencies' Subprime Statement, issues related to the Joint Federal Financial Regulatory Agencies' Nontraditional Mortgage Guidance, RESPA, 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, OFHEO's Strategic Plan, issues relating to the preemptive authority of the Office of the Comptroller of the Currency. 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.1852, "Expanding American Homeownership Act of 2007," issues related to FHA reform.

H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.

HR 2139 To modernize the manufactured housing loan insurance program under title I of the National Housing Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to implementing the Manufactured Housing improvement Act of 2000 and related issues. Issues related to FHA loan limits and reforms for manufactured housing, particularly H.R. 2139 and S. 1741, the FHA Manufactured Housing Loan Modernization Act of 2007. Issues related torequiring weather radios in manufactured housing, particularly H.R. 2787. Issues relate to Government Sponsored Enterprises need to assist underserved markets, paricularly H.R. 1427.

Client expense: Not reported · Firm income: Not reported

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