Seasoned Customer CTR Exemption Act of 2007

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, The COMPETE Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

Client expense: $1,930,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

Client expense: $515,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424); Military Bankruptcy (S.3197); Pension Fund Reform (H.R.7327). Regulation: Community Reinvestment Act regulations; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, Financial Institution Regulatory Restructuring; SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules; Guidance on HELOC reductions; Best Practices for Residential Covered Bonds; FRB Reg. S (privacy); HUD RESPA Regulations; Money Market Fund Guaranties; Fannie Mae/Freddie Mac Conservatorship; SEC Short-Selling Rules; FASB Fair Value Accounting Regs; Auction-Rate Securities Rules; Timing of FASB/SEC Rules; FDIC Deposit Insurance Coverage Regulations; Truth-in-Savings Regulations; Risk Weighting of capital standards; Interest on Reserve Requirements; FDIC Restoration Plan; Deposit and Debt Guarantee Program; Guaranty Program for Troubled Assets; Capital Purchase Program; Hope for Homeowners Program; Overdraft Regulations; Currency Transaction Report Exemptions. #17. (continued from previous page) Public Company Accounting Oversight Board

Client expense: $160,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Remittance Issue; Bank Discontinuance; Anti-money laundering issues, H.R. 323, H.R. 4049.

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

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices of 2007 HR 1852, Expanding American Homewonership Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Predatory Lending Issues Regulation of Industrial Loan Corporation Holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs HR 6871, Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Payments Systems Expedited Funds Availability Act Amendments Real Estate Settlement Procedures Act (RESPA) regulations Fair Value Accounting (Mark to Market Accounting) SFAS 157, Fair Value Measurements HR 1424, Emergency Economic Stabilization Act HR 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009 Flood Insurance Housing Assistance Tax Act of 2008 Deposit Insurance Premiums Bank Examinations Financial Services Regulatory Structure Implementation of Housing and Economic Recovery Act of 2008 (Hope for Homeowners Program) Conservatorship of Fannie Mae/Freddie Mac Bank Capital Rules Money Market Mutual Fund Temporary Guaranty Program Community bank access to Troubled Asset Relief Program

Client expense: $1,230,000 · Firm income: Not reported

Government targets: Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405), all provisions S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board H.R. 6870, The Payment System Protection Act, all provisions H.R. 3997, Emergency Economic Stablization Act, House Amendment to the Senate Amendment to the House Amendment to the Senate Amendment, Title I, Sections 101-135, related to the Troubled Asset Recovery Program. H.R. 1424, Emergency Economic Stabilization Act, Senate Amendment 5685, Title I, Sections 101-135, related to the Troubled Asset Recovery Program and Section 136, related to the National Credit Union Share Insurance Fund. S. 2284, Flood Insurance Reform and Modernization Act of 2007, all provisions S. 3787, Protecting Consumers from Unreasonable Credit Rates Act of 2008, all provisions S. 3632, Fostering American Independence from Regressive and Abusive Credit Transactions Act of 2008, section 2

Client expense: $746,324 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), White House Office

HR 2087 - No Child Left Behind Reform Act HR 4335 - Youth Financial Education Act HR 1424 - Emergency Economic Stabilization Act of 2008 S 2338 - FHA Modernization Act of 2007 S 2391 - GSE Mission Improvement Act of 2007 S 2452 - Home Ownership Preservation and Protection Act of 2007 S 2539 - Recovery Rebates and Economic Stimulus for the American People Act of 2008 S 348 - Improving No Child Left Behind Act S 562 - No Child Left Behind Flexibility and Improvements Act S 1194 - No Child Left Behind Reform Act S 1913 - No Child Left Behind Enhancement Act S 495 The Personal Data Privacy and Security Act of 2007 S 806 The Consumer I.D. Protection and Security Act S 1178 The Identity Theft Prevention Act S 1260 The Data Security Act of 2007 HR 1852 - Expanding American Homeownership Act of 2007 HR 3609 - Emergency Home Ownership and Mortgage Equity Protection Act HR 3648 - Mortgage Forgiveness Debt Relief Act of 2007 HR 3915 - Mortgage Reform and Anti-Predatory Lending Act HR 3996 - Temporary Tax Relief Act of 2007 HR 4178 - Emergency Mortgage Loan Modification Act HR 5140 Recovery Rebates and Economic Stimulus for the American People Act of 2008 HR 958 The Data Accountability and Trust Act HR 1685 The Data Security Act of 2007 HR 323 - The Seasoned Customer CTR Exemption Act HR 946 - The Consumer Overdraft Protection Fair Practices Act HR 698 - The Industrial Bank Holding Company Act of 2007 H.Con. Res. 140 - The Financial Services Diversity Initiative HR 3221 - American Housing Rescue and Foreclosure Prevention Act of 2008

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 3221, Housing and Economic Recovery Act of 2008 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 HR 5767, Payments System Protection Act of 2008 (Internet Gambling) S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Appraisal Policy for Housing GSEs Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Predatory Lending Issues Regulation of Industrial Loan Corporation Holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs HR 6871, Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Homeland Security and Critical Infrastructure Protection Payments Systems Expedited Funds Availability Act Amendments Real Estate Settlement Procedures Act (RESPA) regulations Fair Value Accounting (Mark to Market Accounting) SFAS 157, Fair Value Measurements HR 1424, Emergency Economic Stabilization Act HR 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009 Flood Insurance Housing Assistance Tax Act of 2008 Deposit Insurance Premiums Bank Examinations Financial Services Regulatory Structure Implementation of Housing and Economic Recovery Act of 2008 (Hope for Homeowners Program) Conservatorship of Fannie Mae/Freddie Mac Bank Capital rules Money market mutual fund Temporary Guaranty Program

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

Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Regulatory Relief regarding federal thrifts (H.R. 6312) Public Welfare Investments for Thrifts (H.R. 1066, S. 2487, H.R. 3221) Credit Card Practices (S. 1395, S. 1176, S. 1309, H.R. 2146, H.R. 873, H.R. 1461, H.R. 1510) Basel II Capital proposal Bank overdraft practices (H.R. 946) Bank Secrecy Act (H.R. 323) Electronic Payment Systems, including Interchange Fees (H.R. 5546, S. 3086) Bank Customer Information Security (S. 1260, S. 1178, S. 495, H.R. 958, H.R. 1685, H.R. 948) Treasurys Proposal on Regulatory Restructuring Unfair or Deceptive Acts or Practices authority for Bank Regulators (H.R. 3526) Internet Gambling Regulations Preservation of Preemption Authority Covered Bonds Industrial Loan Companies (The Industrial Bank Holding Company Act of 2008 no bill number) Provisions governing regulation of S&L holding companies Federal Reserve and OTS Proposal on Unfair or Deceptive Practices or Acts and Amendments to Regulation Z and DD (credit card and overdraft practices) Private equity investments in financial institutions Regulatory Status of WaMu Bank Individual Development Accounts

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

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

Client expense: $470,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

Credit card, interchanges fees and practices, S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; GSE Reform, H.R. 1427; Federal Housing Finance Reform Act of 2007; S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007; S. 1561, with respect to exceptions to discharge in bankruptcy for certain qualified educational loans; S. 1642, the Higher Education Amendments of 2007; H.R. 5280, Stop Unfair Practices in Credit Cards Act of 2008; Govt Purchase Card, S.680, Accountability in Government Contracting Act of 2007; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5244, The Credit Cardholders Bill of Rights; H.R.5546, Credit Card Fair Fee Act of 2008; H.R. 323 the Seasoned Customer Exemption Act; S.Credit Card Fair Fee Act; H.R 5767, Payment System Protection Act of 2008; S. 3252.Credit Card Accountability Responsibility and Disclosure Act of 2008; H.R. 6870, Payment System Protection Act of 2008

Client expense: $1,800,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

AML/Regulator Relief; H.R. 2829, Financial Services and General Government Appropriations Act of 2008; Credit Card/Interchange Fees; S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; Retirement Security /Annuities; S.1725, the Restoring Pension Promises to Workers Act ; S. 1782 Arbitration Fairness Act of 2007; H.R. 3185; the 401(k) Fair Disclosure for Retirement Security Act of 2007;H.R. 2834, Carried Interest Income Bill; GSE Reform; H.R. 1427 Federal Housing Finance Reform Act of 2007; S. 186, the Attorney-Client Privilege Protection Act of 2007; H.R. 323, the Seasoned Customer Exemption Act; H.R. 755, the Promoting Transparency in Financial Report Act of 2007; H.R. 5312, Automobile, Arbitration Fairness Act ; H.R. 6126, Fairness in Nursing Home Arbitration Act of 2008; H.R. 3010 / S. 1782, the Arbitration Fairness Act of 2008;

Client expense: $1,800,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) S. 3254, To amend the Internal Revenue Code of 1986 to allow banks to be taxed as limited liability companies, and for other purposes (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R. 1424, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, business tax provisions, FDIC coverage, SEC rules, accounting provisions, revenue offsets, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 3997, the Emergency Economic Stabilization Act of 2008 (all provisions, including Treasury asset-purchase proposal, SEC rules, accounting provisions, GSE preferred stock tax accounting rules, proposed bankruptcy provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) H.R. 6659, the Equal Treatment of Covered Bonds Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

Client expense: $2,340,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office

Remittance Issue; Bank Discontinuance; Anti-money laundering issues, H.R. 323, H.R. 4049.

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

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405) S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board H.R. 6870, The Payment System Protection Act, all provisions H.R. 3997, Emergency Economic Stablization Act, House Amendment to the Senate Amendment to the House Amendment to the Senate Amendment, Title I, Sections 101-135, related to the Troubled Asset Recovery Program. H.R. 1424, Emergency Economic Stabilization Act, Senate Amendment 5685, Title I, Sections 101-135, related to the Troubled Asset Recovery Program and Section 136, related to the National Credit Union Share Insurance Fund. S. 2284, Flood Insurance Reform and Modernization Act of 2007, all provisions

Client expense: $714,540 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA)

HR 2087 - No Child Left Behind Reform Act HR 4335 - Youth Financial Education Act HR 1424 - Emergency Economic Stabilization Act of 2008 S 2338 - FHA Modernization Act of 2007 S 2391 - GSE Mission Improvement Act of 2007 S 2452 - Home Ownership Preservation and Protection Act of 2007 S 2539 - Recovery Rebates and Economic Stimulus for the American People Act of 2008 S 348 - Improving No Child Left Behind Act S 562 - No Child Left Behind Flexibility and Improvements Act S 1194 - No Child Left Behind Reform Act S 1913 - No Child Left Behind Enhancement Act S 495 The Personal Data Privacy and Security Act of 2007 S 806 The Consumer I.D. Protection and Security Act S 1178 The Identity Theft Prevention Act S 1260 The Data Security Act of 2007 HR 1852 - Expanding American Homeownership Act of 2007 HR 3609 - Emergency Home Ownership and Mortgage Equity Protection Act HR 3648 - Mortgage Forgiveness Debt Relief Act of 2007 HR 3915 - Mortgage Reform and Anti-Predatory Lending Act HR 3996 - Temporary Tax Relief Act of 2007 HR 4178 - Emergency Mortgage Loan Modification Act HR 5140 Recovery Rebates and Economic Stimulus for the American People Act of 2008 HR 958 The Data Accountability and Trust Act HR 1685 The Data Security Act of 2007 HR 323 - The Seasoned Customer CTR Exemption Act HR 946 - The Consumer Overdraft Protection Fair Practices Act HR 698 - The Industrial Bank Holding Company Act of 2007 H.Con. Res. 140 - The Financial Services Diversity Initiative HR 3221 - American Housing Rescue and Foreclosure Prevention Act of 2008

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

Client expense: $540,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

Credit card, interchanges fees and practices, S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; GSE Reform, H.R. 1427; Federal Housing Finance Reform Act of 2007; S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007; S. 1561, with respect to exceptions to discharge in bankruptcy for certain qualified educational loans; S. 1642, the Higher Education Amendments of 2007; H.R. 5280, Stop Unfair Practices in Credit Cards Act of 2008; Govt Purchase Card, S.680, Accountability in Government Contracting Act of 2007; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5244, The Credit Cardholders Bill of Rights; H.R.5546, Credit Card Fair Fee Act of 2008; H.R. 323 the Seasoned Customer Exemption Act; S.Credit Card Fair Fee Act; H.R 5767, Payment System Protection Act of 2008; S. 3252.Credit Card Accountability Responsibility and Disclosure Act of 2008

Client expense: $1,860,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

AML/Regulator Relief; H.R. 2829, Financial Services and General Government Appropriations Act of 2008; Credit Card/Interchange Fees; S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; Retirement Security /Annuities; S.1725, the Restoring Pension Promises to Workers Act ; S. 1782 Arbitration Fairness Act of 2007; H.R. 3185; the 401(k) Fair Disclosure for Retirement Security Act of 2007;H.R. 2834, Carried Interest Income Bill; GSE Reform; H.R. 1427 Federal Housing Finance Reform Act of 2007; S. 186, the Attorney-Client Privilege Protection Act of 2007; H.R. 323, the Seasoned Customer Exemption Act; H.R. 755, the Promoting Transparency in Financial Report Act of 2007; H.R. 5312, Automobile, Arbitration Fairness Act ; H.R. 6126, Fairness in Nursing Home Arbitration Act of 2008; H.R. 3010 / S. 1782, the Arbitration Fairness Act;

Client expense: $1,860,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405) S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board

Client expense: $600,870 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) . 2957, the Credit Union Regulatory Improvements Act (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) H.R. 6312, the Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses

Client expense: $1,890,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

Remittance Issues; Bank Discontinuance; Anti-money laundering issues, H.R. 323, H.R. 4049.

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

Government targets: Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Regulatory Relief regarding federal thrifts (H.R. 6312) Public Welfare Investments for Thrifts (H.R. 1066, S. 2487, H.R. 3221) Credit Card Practices (S. 1395, S. 1176, S. 1309, H.R. 2146, H.R. 873, H.R. 1461, H.R. 1510) Basel II Capital proposal Bank overdraft practices (H.R. 946) Bank Secrecy Act (H.R. 323) Electronic Payment Systems, including Interchange Fees (H.R. 5546, S. 3086) Bank Customer Information Security (S. 1260, S. 1178, S. 495, H.R. 958, H.R. 1685, H.R. 948) Treasurys Proposal on Regulatory Restructuring Unfair or Deceptive Acts or Practices authority for Bank Regulators (H.R. 3526) Internet Gambling Regulations Preservation of Preemption Authority Covered Bonds Industrial Loan Companies (The Industrial Bank Holding Company Act of 2008 no bill number) Provisions governing regulation of S&L holding companies Federal Reserve and OTS Proposal on Unfair or Deceptive Practices or Acts and Amendments to Regulation Z and DD (credit card and overdraft practices) Private equity investments in financial institutions

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

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1256, Small Business Lending Reauthorization and Improvement Act S 1260, The Data Security Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 HR 5767, Payments System Protection Act of 2008 (Internet Gambling) S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Appraisal Policy for Housing GSEs Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Homeland Security and Critical Infrastructure Protection Payments Systems Internet Gambling Prohibition

Client expense: $1,240,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

HR 2087 - No Child Left Behind Reform Act HR 4335 - Youth Financial Education Act S 2338 - FHA Modernization Act of 2007 S 2391 - GSE Mission Improvement Act of 2007 S 2452 - Home Ownership Preservation and Protection Act of 2007 S 2539 - Recovery Rebates and Economic Stimulus for the American People Act of 2008 S 348 - Improving No Child Left Behind Act S 562 - No Child Left Behind Flexibility and Improvements Act S 1194 - No Child Left Behind Reform Act S 1913 - No Child Left Behind Enhancement Act S 495 The Personal Data Privacy and Security Act of 2007 S 806 The Consumer I.D. Protection and Security Act S 1178 The Identity Theft Prevention Act S 1260 The Data Security Act of 2007 HR 1852 - Expanding American Homeownership Act of 2007 HR 3609 - Emergency Home Ownership and Mortgage Equity Protection Act HR 3648 - Mortgage Forgiveness Debt Relief Act of 2007 HR 3915 - Mortgage Reform and Anti-Predatory Lending Act HR 3996 - Temporary Tax Relief Act of 2007 HR 4178 - Emergency Mortgage Loan Modification Act HR 5140 Recovery Rebates and Economic Stimulus for the American People Act of 2008 HR 958 The Data Accountability and Trust Act HR 1685 The Data Security Act of 2007 HR 323 - The Seasoned Customer CTR Exemption Act HR 946 - The Consumer Overdraft Protection Fair Practices Act HR 698 - The Industrial Bank Holding Company Act of 2007 H.Con. Res. 140 - The Financial Services Diversity Initiative HR 3221 - American Housing Rescue and Foreclosure Prevention Act of 2008

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1537, Credit Union Regulatory Improvements Act, all provisions; H.R. 41, Business Checking Fairness Act of 2007, all provisions; H.R. 946, Consumer Overdraft Protection Practices Act; H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions; H.R. 1427, Federal Housing Finance Reform Act, all provisions; S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions; H.R. 1852, Expanding Homeownership Act, all provisions; S. 2338, FHA Modernization Act; H.R. 1289, Community Reinvestment Modernization Act, all provisions; H.R. 323, Seasoned Customer CTR Exemption Act, all provisions; H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions; H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions; H.R. 5519, Credit Union Regulatory Relief Act, all provisions; H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions; H.R. 5140, Economic Stimulus Act of 2008, Title II; H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions; H.R. 6312 CUBTRRA, Title I, Title II (sections 202, 204), Title III, Title IV (section 405); S. 2957 CURIA, all provisions; S. 3086, Credit Card Fair Fee Act, all provisions.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

Client expense: $540,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185). Regulation: Community Reinvestment Act regulations; FDIC ILC Applications; OTS gift card guidance; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Payday Lending Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FTC Privacy Rules; OTS Unfair & Deceptive Rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, FBI Subpoenas Addendum, Financial Institution Regulatory Restructuring, SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules #17. (continued from previous page) Public Company Accounting Oversight Board Office of Federal Housing Enterprise Oversight

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

Government targets: Defense, Dept of (DOD), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 2087 - No Child Left Behind Reform Act HR 4335 - Youth Financial Education Act S 2338 - FHA Modernization Act of 2007 S 2391 - GSE Mission Improvement Act of 2007 S 2452 - Home Ownership Preservation and Protection Act of 2007 S 2539 - Recovery Rebates and Economic Stimulus for the American People Act of 2008 S 348 - Improving No Child Left Behind Act S 562 - No Child Left Behind Flexibility and Improvements Act S 1194 - No Child Left Behind Reform Act S 1913 - No Child Left Behind Enhancement Act S 495 The Personal Data Privacy and Security Act of 2007 S 806 The Consumer I.D. Protection and Security Act S 1178 The Identity Theft Prevention Act S 1260 The Data Security Act of 2007 HR 1852 - Expanding American Homeownership Act of 2007 HR 3609 - Emergency Home Ownership and Mortgage Equity Protection Act HR 3648 - Mortgage Forgiveness Debt Relief Act of 2007 HR 3915 - Mortgage Reform and Anti-Predatory Lending Act HR 3996 - Temporary Tax Relief Act of 2007 HR 4178 - Emergency Mortgage Loan Modification Act HR 5140 Recovery Rebates and Economic Stimulus for the American People Act of 2008 HR 958 The Data Accountability and Trust Act HR 1685 The Data Security Act of 2007 HR 323 - The Seasoned Customer CTR Exemption Act HR 946 - The Consumer Overdraft Protection Fair Practices Act HR 698 - The Industrial Bank Holding Company Act of 2007 H.Con. Res. 140 - The Financial Services Diversity Initiative

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

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses Regulatory improvements to the Community Reinvestment Act

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses Regulatory improvements to the Community Reinvestment Act

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

Client expense: $870,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

S. 869, the Compete Act of 2007 (all provisions) S. 1356, the Industrial Bank Holding Company Act of 2007 (all provisions) H.Con. Res. 140, the Financial Services Diversity Initiative (all provisions) HR. 323, the Seasoned Customer CTR Exemption Act of 2007 (all provisions) H.R. 698, the Industrial Bank Holding Company Act of 2007 (all provisions) H.R. 755, the Promoting Transparency in Financial Reporting Act of 2007 (all provisions) H.R. 1171, the Money Market Fund Parity Act of 2007 (all provisions) H.R. 1257, the Shareholder Vote on Executive Compensation Act (all provisions) H.R.1508, the Compete Act of 2007 (all provisions) H.R. 1537, the Credit Union Regulatory Improvements Act (all provisions) H.R. 1869, the Communities First Act (all provisions) H.R. 1967, the Financial Privacy Notice Relief Act of 2007 (all provisions) H.R. 2547, the FDIC Enforcement Enhancement Act (all provisions) H.R. 2727, the Small Business SOX Compliance Extension Act (all provisions) H.R. 3013, the Affordable Financial Services Enhancement Act (all provisions) H.R. 4043, the Preserving and Expanding Minority Depository Institutions Act (all provisions) H.R. 5519, the Credit Union Regulatory Relief Act of 2008 (all provisions) Proposals regarding 500-shareholder threshold for SEC registration under Sarbanes-Oxley Acts Section 404 Banking Committee draft legislation on industrial loan company (ILC) regulation Regulation Z proposal intended to curb subprime mortgage abuses Regulatory improvements to the Community Reinvestment Act

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

H.R. 2829; Financial Services and General Government Appropriations Act of 2008; S. 1348, the comprehensive Immigration Reform Act of 2007; S. 1639, the Comprehensive Immigration Reform Act of 2007; H.R. 2638, FY 2008, Department of Homeland Security Appropriations Act of 2007 Farm Bill; S. 186, the Attorney-Client Privilege Protection Act of 2007; H.R. 323, the Seasoned Customer Exemption Act;

Client expense: $2,500,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

AML/Regulator Relief; H.R. 2829, Financial Services and General Government Appropriations Act of 2008; Credit Card/Interchange Fees; S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; Retirement Security /Annuities; S.1725, the Restoring Pension Promises to Workers Act ; S. 1782 Arbitration Fairness Act of 2007; H.R. 3185; the 401(k) Fair Disclosure for Retirement Security Act of 2007;H.R. 2834, Carried Interest Income Bill; GSE Reform; H.R. 1427 Federal Housing Finance Reform Act of 2007; S. 186, the Attorney-Client Privilege Protection Act of 2007; H.R. 323, the Seasoned Customer Exemption Act; H.R. 755, the Promoting Transparency in Financial Report Act of 2007; H.R. 5312, Automobile, Arbitration Fairness Act

Client expense: $2,500,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

HR 698 Industrial Bank Holding Company Act of 2007 regarding preventing commerical entities from entering banking business; HR 873 Credit Card Payment Fee Act of 2007 regarding prohibition on charging fees for different payment channels; HR 946 Consumer Overdraft Protection Fair Practices Act regarding restricting assessment of overlimit/overdraft bank fees HR 958 Data Accountability and Trust Act regarding additional regulations on banks different from GLBA requirements; HR 1461 Credit Card Accountability and Disclosure Act of 2007 involving prohibition for banks ability to issue student credit cards, et al.; HR 1510 Credit Card Repayment Act of 2007 involving additional disclosure requirements on payoff time periods; HR 2146 Universal Default Prohibition Act of 2007 regarding prohibition of risk based credit card practices; S 239 Notification of Risk to Personal Data Act of 2007 regarding additional regulations different from GLBA requirements; S 1178 Identity Theft Prevention Act of 2007 regarding additional requirements on data breach notification; S 1176 Credit Card Minimum Payment Warning Act of 2007 involving additional disclosures on pay off balances; S 1260 Data Security Act of 2007 regarding regulations different from GLBA requirements; S 1395 Government Credit Card Abuse Prevention Act regarding limitation on banks to price products based on risk, Credit Card Bill of Rights Act of 2007 (Maloney marker); Issues related to federal preemptive protection of national bank powers; S 495 Personal Data Privacy and Security Act of 2007 regarding different regulation different from GLBA; HR 111 Bank Holding Company Act supporting national banks engagement in real estate brokerage/management activities; HR 323 Cash Transaction Reporting Requirements involving exempting seasoned customers from CTR requirements; HR 698, Federal Deposit Insurance Act Amendment supporting baning new commericially owned ILCs and limiting activities; S 1356 Industrial Bank Holding Company Act of 2007; HR 3316 involving bank's commitment and involvement with Community Reinvestment Act programs; HR 3526 To include all banking agencies within the existing regulatory authority under the FTC Act with respect to depository insitutions and for other purposes; HR 1443 Consumer Fairness Finance Act of 2007 preventing prohibition of arbitration clauses in banking consumer products; Issues related to Federal Reserve Regulation Z Amendments; S 1726 Business Activity Tax Simplification Act of 2007 supported prohibiting states from taxing non-resident companies; S 1309 Universal Default Prohibition Act of 2007 regarding prohibition of risk based pricing on consumer products; Legislative activity related to "interchange payments" educating members on use and purpose of interchange.

Client expense: $1,110,000 · Firm income: Not reported

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

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 3316, Identity Theft Protection Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 2527, FDIC Enforcement Enhancement Act HR 3121, Flood Insurance Reform and Modernization Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 1685, The Data Security Act of 2007 HR 958, The Data Accountability and Trust Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 HR 1510, Credit Card Repayment Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1256, Small Business Lending Reauthorization and Improvement Act S 1260, The Data Security Act of 2007 S 495, The Personal Data Privacy and Security Act of 2007 S1178, The Identity Theft Prevention Act of 2007 S 1176, Credit Card Minimum Payment Warning Act of 2007 S 1309, Universal Default Prohibition Act of 2007 S 1395, Stop Unfair Practices in Credit Cards Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1762, Higher Education Access S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act Bank Secrecy Act and Anti-Money Laundering Issues Consumer Data Security Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Critical Infrastructure Protection and Homeland Security Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Military Consumer Lending Rules Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs

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

Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537); (continued) Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Privacy bills (H.R.3056); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, S.2136). Regulation: Community Reinvestment Act regulations; FDIC ILC Applications; OTS gift card guidance; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Payday Lending Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FTC Privacy Rules; OTS Unfair & Deceptive Rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, FBI Subpoenas Addendum, Financial Institution Regulatory Restructuring. #17. (continued from previous page) Public Company Accounting Oversight Board

Client expense: $110,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R.1289: To enhance the availability of capital and credit for all citizens and communities, to ensure that community reinvestment keeps pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R.41: To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. H.R.323: To amend section 5313 of title 31, United States Code, to reform certain requirements for reporting cash transactions, and for other purposes. H.R.873: To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers, and for other purposes. H.R.1443: To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. H.R.1461: To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 1869: to enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. H.R.2146: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. H.R.2669: Higher Education Access Act of 2007 S.1176: A bill to require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes. S.1309: A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes. S.1395: A bill to prevent unfair practices in credit card accounts, and for other purposes. S.1642: A bill to extend the authorization of programs under the Higher Education Act of 1965, and for other purposes. S.1831: A bill to amend the Truth in Lending Act, to improve disclosures for private student loans, and for other purposes. S.2542: To amend the Truth in Lending Act to provide for enhanced disclosure under an open end credit plan

Client expense: $870,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

Regulatory Relief regarding federal thrifts Public Welfare Investments for Thrifts (H.R. 1066, S. 2487) Credit Card Practices (S. 1395, S. 1176, S. 1309, H.R. 2146, H.R. 873, H.R. 1461, H.R. 1510) Basel II Capital proposal Bank overdraft practices (H.R. 946) Bank Secrecy Act (H.R. 323) Electronic Payment Systems, including Interchange Fees (H.R. 5546) Bank Customer Information Security (S. 1260, S. 1178, S. 495, H.R. 958, H.R. 1685, H.R. 948) Treasurys Proposal on Regulatory Restructuring Unfair or Deceptive Acts or Practices authority for Bank Regulators (H.R. 3526 and OTS proposal) Internet Gambling Regulations Preservation of Preemption Authority Covered Bonds Industrial Loan Companies (The Industrial Bank Holding Company Act of 2008 no bill number) -- Provisions governing regulation of S&L holding companies

Client expense: $270,000 · Firm income: Not reported

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions

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

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of

Bank Secrecy Act and Anti-Money Laundering Issues Consumer Data Security Corporate Governance Requirements Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Critical Infrastructure Protection and Homeland Security Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Military Consumer Lending Rules Overdraft Protection Programs Payments System Issues Predatory Lending Issues Regulation of Industrial Loan Corporation holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending HR 1852, Expanding American Homeownership Act of 2007 HR 2527, FDIC Enforcement Enhancement Act HR 3121, Flood Insurance Reform and Modernization Act of 2007 HR 2761, Terrorism Risk Insurance Revision and Extension Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 111, Community Choice in Real Estate Act HR 1508, Compete Act HR 1685, The Data Security Act of 2007 HR 958, The Data Accountability and Trust Act of 2007 HR 3316, Identity Theft Protection Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 1461, Credit Card Accountability Responsibility and Disclosure Act of 2007 HR 1510, Credit Card Repayment Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 2146, Universal Default Prohibition Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 890, Student Loan Sunshine Act HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 2046, Internet Gambling Regulation and enforcement Act HR 23610, Skill Game Protection Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act S 1256, Small Business Lending Reauthorization and Improvement Act S 869, Compete Act S 1260, The Data Security Act of 2007 S 495, The Personal Data Privacy and Security Act of 2007 S1178, The Identity Theft Prevention Act of 2007 S 1176, Credit Card Minimum Payment Warning Act of 2007 S 1309, Universal Default Prohibition Act of 2007 S 1395, Stop Unfair Practices in Credit Cards Act of 2007 S 486, Student Loan Sunshine Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1762, Higher Education Access S 1299, Borrower’s Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Homes Act S 413, Community Choice in Real Estate Act S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 3316, Identity Theft Protection Act of 2007

Client expense: $2,460,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537); (continued)

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

Government targets: Defense, Dept of (DOD), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Hearing on tax exempt status Bankruptcy Bill H.R. 890: Student Loan Sunshine Act H.R. 41: The Business Checking Fairness Act of 2007 H.R .1869/S.1405: Communities First Act H.R.958: Data Accountability and Trust Act S.1178: Identity Theft Protection Act S.1260: Data Security Act H.R. 111/S.4131: The Community Choice in Real Estate Act H.R.946: Consumer Overdraft Protection Practices Act H.R.3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R.1427: Federal Housing Finance Reform Act S.1100 H.R.1852: Expanding American Homeownership Act S.2338: Federal Housing Administration Modernization Act Financial Services Regulatory Relief Issues H.R.1289: Community Reinvestment Modernization Act H.R.323: Seasoned Customer CTR Exemption Act of 2007 H.R.3609: Emergency Homeownership and Mortgage Equity Protection Act S.2136: Helping Families save their Homes in Bankruptcy Act H.R.1537: Credit Union Regulatory Improvements Act of 2007 H.R.5140: to provide economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. Pensions

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

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Treasury, Dept of

Anti-Money Laundering, Regulator Relief, H.R. 2829; Financial Services and General Government Appropriations Act of 2008; H.R. 3013, the Attorney-Client Privilege Protection Act of 2007; S. 1348, the Comprehensive Immigration Reform Act of 2007; S. 1639, the Comprehensive Immigration Reform Act of 2007; H.R. 2638, FY 2008, Department of Homeland Security Appropriations Act of 2007 Farm Bill; S. 186, the Attorney-Client Privilege Protection Act of 2007; H.R. 323, the Seasoned Customer Exemption Act;

Client expense: $3,220,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), UNDETERMINED, White House Office