Payday Loan Reform Act of 2007

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

HR 2871 HR 5129 S 2554 S 3287

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2871, Payday Loan Reform Act of 2007, all provisions; HR 3221, Foreclosure Prevention Act of 2008, all provisions; Sanders Amdt (4401)place a floating interest rate cap on all loans, including mortgages, credit cards, payday loans and refund anticipation loans.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and regulation of deferred deposit industry including H.R. 2871 to prohibit payday loans.

Client expense: Not reported · Firm income: $225,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2871 "Payday Loan Reform Act of 2007" Monotoring Issues Regarding Check Cashing, Bank Regulations, Payroll Cards, and Small Consumer Loans

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to consumer lending and credit HR 2871

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

Government targets: HOUSE OF REPRESENTATIVES, 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 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

HR 2871, Payday Loan Reform Act of 2007, all provisions; HR 3221, Foreclosure Prevention Act of 2008, all provisions; Sanders Amdt (4401)place a floating interest rate cap on all loans, including mortgages, credit cards, payday loans and refund anticipation loans.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and regulation of the deferred deposit industry including H.R. 2871 to prohibit payday loans. Briefed Subcommittee Members and staff on House Ways and Means Social Security Subcommittee on Master-Sub account payments. Briefed Committeee Members and staff on Indian Affairs Committee regarding a hearing on Predatory Lending in Native American communities.

Client expense: Not reported · Firm income: $230,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to consumer lending and credit HR 2871

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2871 "Payday Loan Reform Act of 2007" Monotoring Issues Regarding Check Cashing, Banking Regulation, Payroll Cards, and Small Consumer Loans

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2871 HR 5129 S 2554

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

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

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

Legislation and regulation of the deferred desposit industry including H.R. 2871 to prohibit payday loans.

Client expense: Not reported · Firm income: $230,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2871

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2871 "Payday Loan Reform Act of 2007" Monitoring Issues Regarding Check Cashing, Banking Regulation, Payroll Cards, and Small Consumer Loans

Client expense: Not reported · Firm income: $125,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 946, Consumer Overdraft Protection Fair Practices Act, overdraft loans should be subject to disclosure requirements under the Truth in Lending Act; consumer banking protections; direct debit cards; security freeze on bank accounts for exempt funds; deposit insurance; H.R. 2871, Payday Loan Reform Act of 2007, payday loan protections for consumers; predatory lending; H.R. 2885, Credit Repair Organizations Act, credit protections for consumers; S. 1925, Student Credit Card Protection Act of 2007, credit card regulation; H.R. 3316, Identity Theft Protection Act of 2007, credit report freeze; credit card interchange fees; credit reporting and scoring; S. 1395, Stop Unfair Practices in Credit Cards Act of 2007, credit card regulation

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

Government targets: Consumer Product Safety Commission (CPSC), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, UNDETERMINED

H.R. 946, Consumer Overdraft Protection Fair Practices Act, overdraft loans should be subject to disclosure requirements under the Truth in Lending Act; consumer banking protections; direct debit cards; security freeze on bank accounts for exempt funds; deposit insurance; H.R. 2871, Payday Loan Reform Act of 2007, payday loan protections for consumers; predatory lending; H.R. 2885, Credit Repair Organizations Act, credit protections for consumers; S. 1925, Student Credit Card Protection Act of 2007, credit card regulation; H.R. 3316, Identity Theft Protection Act of 2007, credit report freeze; credit card interchange fees; credit reporting and scoring; S. 1395, Stop Unfair Practices in Credit Cards Act of 2007, credit card regulation

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

Government targets: Consumer Product Safety Commission (CPSC), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, UNDETERMINED

H.R. 946, Consumer Overdraft Protection Fair Practices Act, overdraft loans should be subject to disclosure requirements under the Truth in Lending Act; consumer banking protections; direct debit cards; security freeze on bank accounts for exempt funds; deposit insurance; H.R. 2871, Payday Loan Reform Act of 2007, payday loan protections for consumers; predatory lending; H.R. 2885, Credit Repair Organizations Act, credit protections for consumers;

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

Government targets: Consumer Product Safety Commission (CPSC), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

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

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

Government targets: Defense, Dept of (DOD), 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

HR 2871

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2871 "Payday Loan Reform Act of 2007" Monitor Issues Regarding Check Cashing, Banking Regulations, Payroll Cards, and Small Consumer Loans

Client expense: Not reported · Firm income: $125,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.2963, which would transfer land in Riverside and San Diego Counties from the BLM the Pechanga Band of Luiseno Indians - land descriptions S. 1299, the Borrowers Protection Act - payday lenders H.R. 3533 Public and Teaching Hospital Preservation Act – Moratorium on finalization of the outpatient Medicaid rule H.R. 976 Children's Health Insurance Program Reauthorization Act of 2007 – entire bill S. 2460, Moratorium on finalization of the outpatient Medicaid rule –entire bill H.R. 3992/S. 2304, the Mentally Ill Offender Treatment and Crime Reducation Reauthorization and Improvement Act - entire bill H.R. 1512 SCAAP Reimbursements - enitre bill H.R. 2871 Payday Loan Reform Act– entire bill H.R. 3479 ADA Notification Act– entire bill H.R. 4145 Provisional Ballot Fairness in Counting Act of 2007 – entire bill S. 1210, the Drug Endangered Children Act - entire bill S. 1276, the Methamphetamine Production Prevention Act H.R. 2918, the California Ocean and Coastal Protection Act - entire bill OTHER: Wildfire recovery Wildfire suppression - dead tree removal Impact Costs of Illegal Immigration Childhood obesity Pandemic flu SSI waiver of volunteer stipends Endangered Species Act Indian Gaming - casino consolidation methamphetamine epidemic Temporary Assistance for Needy Families (TANF) Program HR 2638/S 1644 - FY 2008 Department of Homeland Security (DHS) Appropriations bill - funding for local government homeland security and disaster preparedness and response activities; border security HR 3093/S 1644, FY 2008 Commerce, Justice, Science, and Related Agencies Appropriations bill - Public Safety funding, SCAAP, funding for regional communications infrastructure HR 3161/S 1859, FY 2008 Agriculture Appropriations bill - farmland conservation, pest detection and control HR 3074/S 1789 , FY 2008 Transportation, Treasury, HUD Appropriations bill - community development, low income housing, airport funding HR 2643/S 1696, FY 2008 Interior & Environment Appropriations bill - habitat conservation funding; Section 6 Cooperative Endangered Species Fund; PILT; clean air funding, Outer Continental Shelf moratorium; Camp Lockett cleanup HR 2641/S 1751, FY 2008 Energy and Water Appropriations bill - funding for San Diego County SAMP HR 3042/S 1710, FY 2008 Labor/HHS Appropriations bill - Funding for local health care programs; SSBG; CSBG; bioterrorism and TB control funding; job training funding; funding for older Americans; San Pasqual Academy; Edgemoor Geriatric hospital; Maternal and Child Health Block Grant S. 456/HR 3547 The Gang Abatement and Prevention Act - entire bill HR 1950, to amend the Social Security Act to permit local public agencies to act as Medicaid enrollment brokers - entire bill HR 45, the Healthy Foods for Healthy Living Act - entire bill HR 2677, the Improved Nutrition and Physical Activity (IMPACT) Act - entire bill HR 1532/S 1551, the Comprehensive Tuberculosis Elimination Act - entire bill H.R. 811, the Voter Integrity and Verification Act - entire bill S. 1487, the Ballot Integrity Act - entire bill S. 777/H.R. 1023, the Withholding Tax Relief Act - entire bill HR 211/S 211 - the Calling for 2-1-1 Act - entire bill HR 2419/S 2302, the Farm Bill - reauthorization of Food Stamp Act; conservation programs; pest detection and control programs; speciality crops H.R. 1386/S. 803, the Child Support Protection Act - entire bill H.R. 1783/S. 1070, the Elder Justice Act - entire bill S. 1518, the Community Partnership to End Homelessness Act - entire bill H.R. 667/S. 949, the Early Pest Detection and Surveillance Improvement Act - entire bill H.R. 2918/S. 151, the California Ocean and Coastal Protection Ac - entire bill H.R. 2881, the FAA Reauthorization Act of 2007 - Airport Improvement Program and Contract Tower Program S. 1300, the Aviation Investment and Modernization Act - Airport Improvement Program and Contract Tower Program H.R. 1, the Implementing the 9/11 Commission Recommendations Act - local government provisions S. 4, the Improving America's Security Act of 2007 - local government provisions

Client expense: Not reported · Firm income: $200,000

Government targets: Bureau of Justice Assistance, Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), Justice, Dept of (DOJ), SENATE, White House Office

S. 1012, the Consumer Rental-Purchase Agreement Act of 2007 H.R. 2871, the Payday Loan Reform Act of 2007 H.R. 2146, the Universal Default Prohibition Act of 2007 S. 1176, the Credit Card Minimum Payment Warning Act

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

Government targets: Agriculture, Dept of (USDA), Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Education, Dept of, Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, White House Office

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

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

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

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

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

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

H.R. 2871 "PAYDAY LOAN REFORM ACT OF 2007" MONITOR ISSUES REGARDING CHECK CASHING, BANKING REGULATIONS, PAYROLL CARDS, AND SMALL CONSUMER LOANS

Client expense: Not reported · Firm income: $125,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Global Competitiveness of U.S. Securities Markets, America Competes Act-S. 761, Scheme Liability, Sarbanes-Oxley Law, Mutual Fund Governance, Investment Professional Regulation, Financial Services and General Government Appropriations Act, 2008-H.R. 2829, Community Banks Serving Their Communities First Act-H.R. 1869, Bank Fee Reporting, Personal Data Privacy and Security Act of 2007-S. 495 Credit Card Payment Fee Act of 2007-H.R. 873, Payday Loan Reform Act of 2007-H.R. 2871, Consumer Overdraft Protection Fair Practices Act-H.R. 946, Financial Services Regulation, Military Lending Act-PL 109-364 (H.R. 5122 Sec. 670), Credit Card Regulation, Credit Card Minimum Payment Warning Act of 2007-S. 1176, Industrial Bank Holding Company Act of 2007-H.R. 698, Broker-Dealer/Investment Advisor Issues, Shareholder Vote on Executive Compensation Act-H.R. 1257, SEC Issues,

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Highway Traffic Safety Administration (NHTSA), SENATE