Credit Monitoring Clarification Act

HR 1853: Alternative data issues for credit reporting HR 2885: Credit Report Monitoring Act: consumer protections for users of credit monitoring services HR 3316 an S 1178: Legislation regarding credit report freezing Issues regarding credit reporting and upcoming economic stimulus legislation

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 964 - Spy Act HR 1525- Internet Spyware (I-SPY) Prevention Act of 2007 HR 852 - To prohibit the obtaining of customer information from telecommunications carriers by false pretenses, and the sale or disclosure of such records obtained by false pretenses. HR 936 - To prohibit fraudulent access to telephone records HR 251 - Truth in Caller ID Act of 2007 HR 740 - Preventing Harassment through Outbound Number Enforcement (PHONE) Act of 2007 HR 958 - Data Accountability and Trust Act HR1685 - Data Security Act of 2007 HR 2885 - To amend the Credit Repair Organizations Act to clarify the applicability of certain provisions to credit monitoring services, and for other purposes. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007 HR 275 - Global Online Freedom Act of 2007 S 92 - Protecting Consumer Phone Records Act S 239 - Notification of Risk to Personal Data Act of 2007 S 495 - Personal Data Privacy and Security Act of 2007 S 704 - To amend the Communications Act of 1934 to prohibit manipulation of caller identification information S 780 - Protecting Consumer Phone Records Act S 1202 - Personal Data Protection Act of 2007 S 1654 - To prohibit the sale or provision of caller ID spoofing services S 1260 - Data Security Act of 2007 S 1625 - Counter Spy Act S 1178 - Identity Theft Prevention Act S 2168 - Identity Theft Enforcement and Restitution Act of 2007 S 2661 - Anti-Phishing Consumer Protection Act of 2008' or the `APCPA' HR 1424 - Emergency Economic Stabilization Act of 2008 HR 6694 - FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4791, Federal Data Protection Act: federal agency purchases of personally identifiable information from commercial vendors HR 2885, Credit Monitoring Clarification Act: consumer protections for users of credit monitoring services HR 1853: Alternative data issues for credit reporting

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2885, Credit Repair Organization Act: Would make it explicit that credit repair services are not credit repair organizations HR 3316 and S. 1178: Credit report freeze legislation

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 5129/S2554 - Civil Rights Act, provisions relating to attorney fees. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007 - provisions relating to privacy. S 495 - Personal Data Privacy and Security Act of 2007, provisions relating to privacy and data security. S 2090 - To Protect Privacy and Security Concerns in Court Records, provisions relating to privacy. HR 4791/S 236 - Federal Agency Data Protection Act, provisions relating to privacy and data security. S 717 - Identification Security Enhancement Act, provisions relating to privacy and security. HR936 - Prevention of Fraudulent Access to Phone Record Act, provisions relating to fraud. HR 220/S1178 - Identity Theft Prevention Act of 2007, provisions relating to data security and privacy. HR 948/S 1208 - Social Security Number Protection Act of 2007, provisions relating to social security numbers. S 2213 - Cyber-Crime Act of 2007, provisions relating to data security. HR 3046 - Social Security Number Privacy and Identity Theft Prevention Act of 2007, provisions relating to social security numbers. S 236 - Federal Agency Data Mining Reporting Act of 2007, provisions relating to privacy. HR 5234/S 238 - Social Security Number Prevention Act of 2007, provisions relating to social security numbers. HR 1951 - Legal Employee Verification Act, provisions relating to privacy. S 2168 - Identity Theft Enforcement and Restitution Act of 2007, provisions relating to data security. HR 3982 - Combat Illegal Immigration Through Employment Verification Act, provisions relating to privacy. S 1691 - Social Security Number Online Protection Act of 2007, provisions relating to social security numbers. HR 2455 - Social Security Number Non-Proliferation Act of 2007, provisions relating to social security numbers. HR 3271 - Social Security Account Number Protection Act of 2007, provisions relating to social security numbers. HR 2885 - Credit Monitoring Clarification Act, provisions relating to credit monitoring . HR 3316 - Identity Theft Protection Act of 2007, provisions relating to identity theft. HR 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, provisions relating to credit scores and insurance.

Client expense: $267,000 · Firm income: Not reported

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

H.R. 2885, The Credit Monitoring Clarification Act, to clarify the application of the Credit Repair Organization Act to monitoring services

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES

H.R. 2885, The Credit Monitoring Clarification Act, to clarify the application of the Credit Repair Organization Act to monitoring services

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES

HR 2885 (the Credit Monitoring Clarification Act) and issues relating to "credit scoring."

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 964 - Spy Act HR 1525- Internet Spyware (I-SPY) Prevention Act of 2007 HR 852 - To prohibit the obtaining of customer information from telecommunications carriers by false pretenses, and the sale or disclosure of such records obtained by false pretenses. HR 936 - To prohibit fraudulent access to telephone records HR 251 - Truth in Caller ID Act of 2007 HR 740 - Preventing Harassment through Outbound Number Enforcement (PHONE) Act of 2007 HR 958 - Data Accountability and Trust Act HR1685 - Data Security Act of 2007 HR 2885 - To amend the Credit Repair Organizations Act to clarify the applicability of certain provisions to credit monitoring services, and for other purposes. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007 HR 275 - Global Online Freedom Act of 2007 S 92 - Protecting Consumer Phone Records Act S 239 - Notification of Risk to Personal Data Act of 2007 S 495 - Personal Data Privacy and Security Act of 2007 S 704 - To amend the Communications Act of 1934 to prohibit manipulation of caller identification information S 780 - Protecting Consumer Phone Records Act S 1202 - Personal Data Protection Act of 2007 S 1654 - To prohibit the sale or provision of caller ID spoofing services S 1260 - Data Security Act of 2007 S 1625 - Counter Spy Act S 1178 - Identity Theft Prevention Act S 2168 - Identity Theft Enforcement and Restitution Act of 2007 S 2661 - Anti-Phishing Consumer Protection Act of 2008' or the `APCPA' HR 1424 - Emergency Economic Stabilization Act of 2008 HR 6694 - FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2885, Credit Counseling.

Client expense: Not reported · Firm income: Not reported

H.R. 2885, Credit Counseling.

Client expense: Not reported · Firm income: Not reported

Social Security Number protection and misuse - HR 5234,HR 3046, S1208, S2915 FHA Reorganization Act, alternative data issues - HR 1852, S 2338, HR 3221 Identity theft prevention, consumer security freeze, security breach - HR 3316, S 806, S 1178, S 1260, HR 4791, S 239 Credit Repair Organizations Act. Consumer protection for users of credit monitoring services - HR 2885 Military Services Deployment Act. Notation into active duty servicemen's credit file that they are on duty - HR 513 E-Verify - HR 4088 Nondiscriminatory Use of Consumer Reportsand Consumer Information Act, use of consumer reports in connection with personal lines of insurance, HR 5633

Client expense: $130,000 · Firm income: Not reported

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

HR 4791, Federal Data Protection Act; federal agnecy purchases of personally identifiable data from commercial vendors HR 2885, Credit Monitoring Clarification Act: consumer protections for users of credit monitoring services HR 1853: alternative data issues for credit reporting HR 2885, Credit Repair Organization Act: would make it explicit that credit repair services are not credit repair organizations HR 3316 and S> 1178: credit report freeze legislation

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 5129/S2554 - Civil Rights Act, provisions relating to attorney fees. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007 - provisions relating to privacy. S 495 - Personal Data Privacy and Security Act of 2007, provisions relating to privacy and data security. S 2090 - To Protect Privacy and Security Concerns in Court Records, provisions relating to privacy. HR 4791/S 236 - Federal Agency Data Protection Act, provisions relating to privacy and data security. S 717 - Identification Security Enhancement Act, provisions relating to privacy and security. HR936 - Prevention of Fraudulent Access to Phone Record Act, provisions relating to fraud. HR 220/S1178 - Identity Theft Prevention Act of 2007, provisions relating to data security and privacy. HR 948/S 1208 - Social Security Number Protection Act of 2007, provisions relating to social security numbers. S 2213 - Cyber-Crime Act of 2007, provisions relating to data security. HR 3046 - Social Security Number Privacy and Identity Theft Prevention Act of 2007, provisions relating to social security numbers. S 236 - Federal Agency Data Mining Reporting Act of 2007, provisions relating to privacy. HR 5234/S 238 - Social Security Number Prevention Act of 2007, provisions relating to social security numbers. HR 1951 - Legal Employee Verification Act, provisions relating to privacy. S 2168 - Identity Theft Enforcement and Restitution Act of 2007, provisions relating to data security. HR 3982 - Combat Illegal Immigration Through Employment Verification Act, provisions relating to privacy. S 1691 - Social Security Number Online Protection Act of 2007, provisions relating to social security numbers. HR 2455 - Social Security Number Non-Proliferation Act of 2007, provisions relating to social security numbers. HR 3271 - Social Security Account Number Protection Act of 2007, provisions relating to social security numbers. HR 2885 - Credit Monitoring Clarification Act, provisions relating to credit monitoring . HR 3316 - Identity Theft Protection Act of 2007, provisions relating to identity theft. HR 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, provisions relating to credit scores and insurance.

Client expense: $264,000 · Firm income: Not reported

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

H.R. 2885, The Credit Monitoring Clarification Act, to clarify the application of the Credit Repair Organization Act to monitoring services

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

Government targets: HOUSE OF REPRESENTATIVES

H.R. 2885, The Credit Monitoring Clarification Act, to clarify the application of the Credit Repair Organization Act to monitoring services

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

Government targets: HOUSE OF REPRESENTATIVES

HR 964 - Spy Act HR 1525- Internet Spyware (I-SPY) Prevention Act of 2007 HR 852 - To prohibit the obtaining of customer information from telecommunications carriers by false pretenses, and the sale or disclosure of such records obtained by false pretenses. HR 936 - To prohibit fraudulent access to telephone records HR 251 - Truth in Caller ID Act of 2007 HR 740 - Preventing Harassment through Outbound Number Enforcement (PHONE) Act of 2007 HR 958 - Data Accountability and Trust Act HR1685 - Data Security Act of 2007 HR 2885 - To amend the Credit Repair Organizations Act to clarify the applicability of certain provisions to credit monitoring services, and for other purposes. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007 HR 275 - Global Online Freedom Act of 2007. S 92 - Protecting Consumer Phone Records Act S 239 - Notification of Risk to Personal Data Act of 2007 S 495 - Personal Data Privacy and Security Act of 2007 S 704 - To amend the Communications Act of 1934 to prohibit manipulation of caller identification information S 780 - Protecting Consumer Phone Records Act S 1202 - Personal Data Protection Act of 2007 S 1654 - To prohibit the sale or provision of caller ID spoofing services S 1260 - Data Security Act of 2007 S 1625 - Counter Spy Act S 1178 - Identity Theft Prevention Act S 2168 - Identity Theft Enforcement and Restitution Act of 2007 S 2661 - Anti-Phishing Consumer Protection Act of 2008' or the `APCPA'.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to "file freezes," data security, and consumer notice, including S. 1178 (the Identity Theft Prevention Act), S. 495 (the Personal Data Privacy and Security Act), and H.R. 958 (the Data Accountability and Trust Act); issues relating to information practices customer proprietary network information (CPNI), including H.R. 936 (the Prevention of Fraudulent Access to Phone Records Act); issues relating to "permissible purposes" to obtain consumer reports; issues relating to the misuse of Social Security Numbers; H.R. 513 (the National Heroes Credit Protection Act) and H.R. 3200 (the National Insurance Act); HR 2885 (the Credit Monitoring Clarification Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Social Security Number protection and misuse - HR 5234, HR 3046, S 1208, S 2915. FHA Reorganization Act, alternative data issues - HR 1852, S 2338, HR 3221. Identity theft prevention, consumer security freeze, security breach - HR 3316, S 806, S 1178, S 1260, HR 4791, S 239. Credit Repair Organizations Act. Consumer protection for users of credit monitoring services - HR 2885. Military Services Deployment Act. Notation into active duty servicemen's credit file that they are on duty - HR 513. E-Verify - HR 4088.

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

HR 2885--Credit File Monitoring Clarification Act--provisions protecting continued access to credit file monitoring services

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES

Consumer reporting and data security issues, including H.R. 2885.

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

HR 2885--Credit File Monitoring Clarification Act--provisions protecting continued access to credit file monitoring services;

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

HR 5129/S2554 - Civil Rights Act, provisions relating to attorney fees. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007 - provisions relating to privacy. S 495 - Personal Data Privacy and Security Act of 2007, provisions relating to privacy and data security. S 2090 - To Protect Privacy and Security Concerns in Court Records, provisions relating to privacy. HR 4791/S 236 - Federal Agency Data Protection Act, provisions relating to privacy and data security. S 717 - Identification Security Enhancement Act, provisions relating to privacy and security. HR936 - Prevention of Fraudulent Access to Phone Record Act, provisions relating to fraud. HR 220/S1178 - Identity Theft Prevention Act of 2007, provisions relating to data security and privacy. HR 948/S 1208 - Social Security Number Protection Act of 2007, provisions relating to social security numbers. S 2213 - Cyber-Crime Act of 2007, provisions relating to data security. HR 3046 - Social Security Number Privacy and Identity Theft Prevention Act of 2007, provisions relating to social security numbers. S 236 - Federal Agency Data Mining Reporting Act of 2007, provisions relating to privacy. HR 5234/S 238 - Social Security Number Prevention Act of 2007, provisions relating to social security numbers. HR 1951 - Legal Employee Verification Act, provisions relating to privacy. S 2168 - Identity Theft Enforcement and Restitution Act of 2007, provisions relating to data security. HR 3982 - Combat Illegal Immigration Through Employment Verification Act, provisions relating to privacy. S 1691 - Social Security Number Online Protection Act of 2007, provisions relating to social security numbers. HR 2455 - Social Security Number Non-Proliferation Act of 2007, provisions relating to social security numbers. HR 3271 - Social Security Account Number Protection Act of 2007, provisions relating to social security numbers. HR 2885 - Credit Monitoring Clarification Act, provisions relating to credit monitoring . HR 3316 - Identity Theft Protection Act of 2007, provisions relating to identity theft. HR 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, provisions relating to credit scores and insurance.

Client expense: $264,000 · Firm income: Not reported

HR 5129/S2554 - Civil Rights Act, provisions relating to attorney fees. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007 - provisions relating to privacy. S 495 - Personal Data Privacy and Security Act of 2007, provisions relating to privacy and data security. S 2090 - To Protect Privacy and Security Concerns in Court Records, provisions relating to privacy. HR 4791/S 236 - Federal Agency Data Protection Act, provisions relating to privacy and data security. S 717 - Identification Security Enhancement Act, provisions relating to privacy and security. HR936 - Prevention of Fraudulent Access to Phone Record Act, provisions relating to fraud. HR 220/S1178 - Identity Theft Prevention Act of 2007, provisions relating to data security and privacy. HR 948/S 1208 - Social Security Number Protection Act of 2007, provisions relating to social security numbers. S 2213 - Cyber-Crime Act of 2007, provisions relating to data security. HR 3046 - Social Security Number Privacy and Identity Theft Prevention Act of 2007, provisions relating to social security numbers. S 236 - Federal Agency Data Mining Reporting Act of 2007, provisions relating to privacy. HR 5234/S 238 - Social Security Number Prevention Act of 2007, provisions relating to social security numbers. HR 1951 - Legal Employee Verification Act, provisions relating to privacy. S 2168 - Identity Theft Enforcement and Restitution Act of 2007, provisions relating to data security. HR 3982 - Combat Illegal Immigration Through Employment Verification Act, provisions relating to privacy. S 1691 - Social Security Number Online Protection Act of 2007, provisions relating to social security numbers. HR 2455 - Social Security Number Non-Proliferation Act of 2007, provisions relating to social security numbers. HR 3271 - Social Security Account Number Protection Act of 2007, provisions relating to social security numbers. HR 2885 - Credit Monitoring Clarification Act, provisions relating to credit monitoring . HR 3316 - Identity Theft Protection Act of 2007, provisions relating to identity theft. HR 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, provisions relating to credit scores and insurance.

Client expense: $264,000 · Firm income: Not reported

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

Social Security Number protection and misuse - HR 5234, HR 3046, S 1208. FHA Reorganization Act, alternative data issues - HR 1852, S 2338. Identity theft prevention, consumer security freeze, security breach - HR 3316, S 806, S 1178, S1260. Credit Repair Organizations Act. Consumer protection for users of credit monitoring services - HR 2885. Military Service Deployment Act - Notation into active duty servicemen's credit files that they are on duty - HR 513.

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

HR 513, Military Service Deployment Act: requires dnotation in servicemen's credit files that they are on active duty overseas HR 4791, Federal Data Protectin Act: federal agency purchase of personallly identifiable information from commercial vendors HR 2885, Credit Monitoring Clarification Act: consumer protections for users of credit monitoring services HR 1853, FHA Reorganization Act: alternative data issues HR 2046, HR 948 and S 1208: misuse and privacy of social security numbers HR 3316 and S 1178: credit report freeze legislation allowing consumers to freeze their reports HR 2885: Credit Repair Organization Act (CROA): wouldmaike explicit that credit monitoring services are not credit repair organizations.

Client expense: Not reported · Firm income: $70,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2885--Credit File Monitoring Clarification Act--provisions protecting continued access to credit file monitoring services;

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

Government targets: HOUSE OF REPRESENTATIVES

HR 964 - Spy Act HR 1525- Internet Spyware (I-SPY) Prevention Act of 2007 HR 852 - To prohibit the obtaining of customer information from telecommunications carriers by false pretenses, and the sale or disclosure of such records obtained by false pretenses. HR 936 - To prohibit fraudulent access to telephone records HR 251 - Truth in Caller ID Act of 2007 HR 740 - Preventing Harassment through Outbound Number Enforcement (PHONE) Act of 2007 HR 958 - Data Accountability and Trust Act HR1685 - Data Security Act of 2007 HR 2885 - To amend the Credit Repair Organizations Act to clarify the applicability of certain provisions to credit monitoring services, and for other purposes. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007 HR 275 - Global Online Freedom Act of 2007. S 92 - Protecting Consumer Phone Records Act S 239 - Notification of Risk to Personal Data Act of 2007 S 495 - Personal Data Privacy and Security Act of 2007 S 704 - To amend the Communications Act of 1934 to prohibit manipulation of caller identification information S 780 - Protecting Consumer Phone Records Act S 1202 - Personal Data Protection Act of 2007 S 1654 - To prohibit the sale or provision of caller ID spoofing services S 1260 - Data Security Act of 2007 S 1625 - Counter Spy Act S 1178 - Identity Theft Prevention Act S 2168 - Identity Theft Enforcement and Restitution Act of 2007 S 2661 - Anti-Phishing Consumer Protection Act of 2008' or the `APCPA'.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4175 Privacy and Cybercrime Enforcement Act of 2007 S 495 Personal Data Privacy and Security Act of 2007 S 2090 To Protect Privacy and Security Concerns in Court Records HR 4791, S236 - Federal Agency Data Protection Act S 236 - Federal Agency Data Mining Reporting Act of 2007 S 717 - Identification Security Enhancement Act of 2007 HR 936 - Prevention of Fraudulent Access to Phone Records Act HR 220, S 1178 - Identity Theft Prevention Act of 2007 HR 948, S 1208 - Social Security Number Protection Act of 2007 S 2213 - Cyber-Crime Act of 2007 HR 3046 - Social Security Number Privacy and Identity Theft Prevention Act of 2007 HR 5234, S 238 - Social Security Number Prevention Act of 2007 HR 1951 - Legal Employee Verification Act S 2168 - Identity Theft Enforcement and Restitution Act of 2007 HR 3982 - Combat Illegal Immigration Through Employment Verification Act S 1691 - Social Security Number Online Protection Act of 2007 HR 2455 - Social Security Number Non-Proliferation Act of 2007 HR 3271 - Social Security Account Number Protection Act HR 2885 - Credit Monitoring Clarification Act HR 3316 - Identity Theft Protection Act of 2007

Client expense: $560,000 · Firm income: Not reported

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

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

H. R. 1161 Social Security Caregiver Credit Act of 2007 S. 789 Government Credit Card Abuse Prevention Act of 2007 H. R. 1461 Credit CARD Act of 2007 H. R. 1510 Credit Card Repayment Act of 2007 H. R. 1537 Credit Union Regulatory Improvements Act of 2007 S. 894 Idling Reduction Tax Credit Act of 2007 H. R. 1395 Government Credit Card Abuse Prevention Act of 2007 H. R. 1849 Credit Union Small Business Lending Act H. R. 382 Municipal Deposit Insurance Protection Act of 2007 H. R. 873 Credit Card Payment Fee Act of 2007 H. R. 946 Consumer Overdraft Protection Fair Practices Act 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. H. Res. 273 Whereas personal financial literacy is essential to ensure that individuals are prepared to manage money, credit, and debt, and become responsible workers, heads of households, investors. S. 1176 Credit Card Minimum Payment Warning Act of 2007 S. 1230 College Saver's Credit Act of 2007 S. 1239 New Markets Tax Credit Extension Act of 2007 S. 1333 Strengthen the Earned Income Tax Credit Act of 2007 H. R. 890 Student Loan Sunshine Act S. 1395 Stop Unfair Practices in Credit Cards Act of 2007 H. R. 2568 Credit Agencies Identity Theft Responsibilities Act of 2007 H. R. 513 National Heroes Credit Protection Act H. R. 1598 Servicemembers Credit Protection Act H. R. 2885 Credit Monitoring Clarification Act See Addendum.

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

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

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

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

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

H.R. 382 - Municipal Deposit Insurance Protection Act of 2007 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. H.R. 513 - National Heroes Credit Protection Act H.R. 873 - Credit Card Payment Fee Act of 2007 H.R. 890 - Student Loan Sunshine Act H.R. 946 - Consumer Overdraft Protection Fair Practices Act H.R. 1161 - Social Security Caregiver Credit Act of 2007 H.R. 1395 - Government Credit Card Abuse Prevention Act of 2007 H.R. 1461 - Credit Card Accountability, Responsibility and Disclosure Act of 2007 or the Credit CARD Act of 2007 H.R. 1510 - Credit Card Repayment Act of 2007 H.R. 1537 - Credit Union Regulatory Improvements Act of 2007 H.R. 1598 - Servicemembers Credit Protection Act H.R. 1849 - Credit Union Small Business Lending Act H.R. 2568 - Credit Agencies Identity Theft Responsibilities Act of 2007 H.R. 2885 - Credit Monitoring Clarification Act H. Res. 273 - Whereas personal financial literacy is essential to ensure that individuals are prepared to manage money, credit, and debt, and become responsible workers, heads of households, investors. S. 789 - Government Credit Card Abuse Prevention Act of 2007 S. 894 - Idling Reduction Tax Credit Act of 2007 S. 1176 - Credit Card Minimum Payment Warning Act of 2007 S. 1230 - College Saver's Credit Act of 2007 S. 1239 - New Markets Tax Credit Extension Act of 2007 S. 1333 - Strengthen the Earned Income Tax Credit Act of 2007 S. 1395 - Stop Unfair Practices in Credit Cards Act of 2007 See Addendum

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

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

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

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

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

HR 936 To prohibit fraudulent access to telephone records HR 251 Truth in Caller ID Act of 2007 HR 740 Preventing Harassment through Outbound Number Enforcement (PHONE) Act of 2007. HR 958 Data Accountability and Trust Act HR1685 Data Security Act of 2007 HR 2885 To amend the Credit Repair Organizations Act to clarify the applicability of certain provisions to credit monitoring services, and for other purposes. S 92 Protecting Consumer Phone Records Act S 239 Notification of Risk to Personal Data Act of 2007 S 495 Personal Data Privacy and Security Act of 2007 S 704 To amend the Communications Act of 1934 to prohibit manipulation of caller identification information. S 780 Protecting Consumer Phone Records Act S 1202 Personal Data Protection Act of 2007 S 1654 To prohibit the sale or provision of caller ID spoofing services S 1260 Data Security Act of 2007 S 1625 Counter Spy Act S 1178 Identity Theft Prevention Act HR 964 Spy Act HR 1525 Internet Spyware (I-SPY) Prevention Act of 2007 HR 852 To prohibit the obtaining of customer information from telecommunications carriers by false pretenses, and the sale or disclosure of such records obtained by false pretenses.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE