Mortgage Broker Transparency and Accountability Act of 2007

Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S. 1299; H.R. 3012; H.R. 3081; H.R. 3296 ; H.R. 3609; S 2136; H.R. 946; S 2133; H.R. 3221; H.R. 3778; H.R. 3915; S.1222; S.2452; S 2636; H.R. 3997; H.R. 1424

Client expense: Not reported · Firm income: $45,037

Government targets: HOUSE OF REPRESENTATIVES

HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparency and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act HR 6076: Home Retention and Economic Stabilization Act of 2008 HR 6254: Temporary FHA Direct Endorsement Lender Participation Act of 2008 HR 1424: Emergency Economic Stabilization Act of 2008 HConRes 391: Recognizing the disparities that are associated with predatory lending abuses in minority communities and expressing the sense of the Congress that as new abuses continue to emerge, such laws should ensure that all those responsible for representing and protecting families have the authority to act to address these new problems HR 6312: Credit Union, Bank, and Thrift Regulatory Relief Act of 2008

Issues related to deposit/checking/savings accounts, mortgage loans, home equity lines of credit, student loans (public and private), bankruptcy reform, arbitration provisions in consumer contracts, and other issues which includes the following legislation: S. 1299 Borrowers Protection Act of 2007; H.R. 3012 Fair Mortgage Practices Act of 2007; H.R. 3081 Fairness for Homeowners Act of 2007; H.R. 3296 Mortgage Broker Transparency and Accountability Act of 2007; H.R. 3609 Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S. 2136 Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133 Homeowners Mortgage and Equity Savings Act of 2007; H.R. 946 Consumer Overdraft Protection Fair Practices Act; H.R. 3221 American Housing Rescue and Foreclosure Prevention Act of 2008; H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007; S. 2452 Home Ownership Preservation and Protection Act of 2007; S. 2636 Foreclosure Prevention Act of 2008; H.R. 4044 National Guard and Reservists Debt Relief Act of 2008; H.R. 3010 Arbitration Fairness Act; H.R. 5312 Automobile Arbitration Fairness Act of 2008; H.R. 6126 Fairness in Nursing Home Arbitration Act of 2008; S. 2838 Fairness in Nursing Home Arbitration Act; H.R. 890 Student Loan Sunshine Act of 2007; S. 486 Student Loan Sunshine Act; H.R. 4137 College Opportunity and Affordability Act of 2007; S. 1642 Higher Education Amendments of 2007; H.R. 2669 College Cost Reduction and Access Act; H.R. 5715 Ensuring Continued Access to Student Loans Act of 2008; S. 2815 Strengthening Student Aid for All Act; and H.R. 5767 (no title bill to prohibit regulatory agencies from issuing rules on UIGEA); H.R. 1424 - Emergency Economic Stabilization Act. Issues related to credit card use including interchange which includes the following legislation: S. 1395 Stop Unfair Practices in Credit Cards Act of 2007; S. 1925 Student Credit Card Protection Act of 2007; S. 3252 Credit Card Accountability, Responsibility and Disclosure (Credit CARD) Act; H.R. 3347 Student Credit Card Protection Act of 2007; H.R. 5244 Credit Cardholders Bill of Rights Act of 2008; H.R. 5546 Credit Card Fair Fee Act of 2008; H.R. 6248 Credit Card Interchange Fees Act of 2008; and S. 3086 Credit Card Fair Fee Act of 2008 Issues related to consumer information, privacy, data security, restrictions on the use of data and privacy including the following legislation: H.R. 948 Social Security Number Protection At of 2007; S. 238 Social Security Number Misuse Prevention Act; S. 495 Personal Data Privacy and Security Act of 2007; S. 1178 Identity Theft Prevention Act; S. 2915 Safeguarding Social Security Numbers Act of 2008; H.R. 958 Data Accountability and Trust Act; H.R. 1685 Data Security Act of 2007; H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007; H.R. 1685 Data Security Act of 2007; H.R. 3046 Social Security Number Privacy and Identify Theft Prevention Act of 2007; H.R. 3316 Identity Theft Protection Act of 2007; H.R. 5324 Social Security Number Misuse Prevention Act; and S. 2661 Anti-Phishing Consumer Protection Act of 2008.

Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S. 1299; H.R. 3012; H.R. 3081; H.R. 3296 ; H.R. 3609; S 2136; H.R. 946; S 2133; H.R. 3221; H.R. 3778; H.R. 3915; S.1222; S.2452; S 2636; H.R. 3997; H.R. 1424

Client expense: Not reported · Firm income: $42,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S.1299 - Borrower's Protection Act of 2007; H.R.3012 - Fair Mortgage Practices Act of 2007; H.R.3081- Fairness for Homeowners Act of 2007; H.R.3296 - Mortgage Broker Transparency and Accountability Act of 2007; H.R.3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S.2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007; H.R.946 - Consumer Overdraft Protection Fair Practices Act; S.2133 - HOMES Act; H.R.3221 - American Housing Rescue and Foreclosure Prevention Act of 2008; H.R.3778 - HOMES Act; H.R.3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007; S.1222 - STOP FRAUD Act; S.2452 - Home Ownership Preservation and Protection Act of 2007; S.2636 - Foreclosure Prevention Act of 2008; H.R.3997 - Heroes Earnings Assistance and Relief Tax Act of 2007; and H.R.1424 - To provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes.

Client expense: $337,000 · Firm income: Not reported

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

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

H.R. 1427 Federal Housing Reform Act of 2007. All Provisions. GSE Reform H.R. 3609 Emergency Home Ownership and Mortgage Equity Protection Act. All Provisions. Modifies certain mortgages on principal residences. H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007. All Provisions. Reforms consumer mortgage practices. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. H.R. 1996, Preservation of Federalism in Banking Act. All Provisions. Clarifies applicability of State law to national banks and Federal savings associations. S.2036, Protecting Access to Safe Mortgages Act. All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act (Consumer Fairness Act). All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation ofloan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2201, Home Ownership Mortgage Emergency Act. All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to celiain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section I. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and to expand the coverage of the appraisal requirements. H.R. 3557, Restore American Dream Act of 2007. All Provisions. Establishment of, and the deduction of contributions to, homeownership plans. H.R. 3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act H.R. 3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Bipartisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R. 3705, Fair Disclosure for Homeowners Act of 2007. All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the patt of holders of residential mortgage loans. H.R. 3777, Protecting Access to Safe Mortgages Act. All Provisions. Temporarily raises conforming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that variesfrom terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgages,loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default.

HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act H.R.6076-Home Retention and Economic Stabilization Act of 2008 HR 6254 -Temporary FHA Direct Endorsement Lender Participation Act of 2008

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

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

Issues related to deposit/checking/savings accounts, mortgage loans, home equity lines of credit, student loans (public and private), bankruptcy reform, arbitration provisions in consumer contracts, and other issues which includes the following legislation: S. 1299 Borrowers Protection Act of 2007; H.R. 3012 Fair Mortgage Practices Act of 2007; H.R. 3081 Fairness for Homeowners Act of 2007; H.R. 3296 Mortgage Broker Transparency and Accountability Act of 2007; H.R. 3609 Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S. 2136 Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133 Homeowners Mortgage and Equity Savings Act of 2007; H.R. 946 Consumer Overdraft Protection Fair Practices Act; H.R. 3221 American Housing Rescue and Foreclosure Prevention Act of 2008; H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007; S. 2452 Home Ownership Preservation and Protection Act of 2007; S. 2636 Foreclosure Prevention Act of 2008; H.R. 4044 National Guard and Reservists Debt Relief Act of 2008; H.R. 3010 Arbitration Fairness Act; H.R. 5312 Automobile Arbitration Fairness Act of 2008; H.R. 6126 Fairness in Nursing Home Arbitration Act of 2008; S. 2838 Fairness in Nursing Home Arbitration Act; H.R. 890 Student Loan Sunshine Act of 2007; S. 486 Student Loan Sunshine Act; H.R. 4137 College Opportunity and Affordability Act of 2007; S. 1642 Higher Education Amendments of 2007; H.R. 2669 College Cost Reduction and Access Act; H.R. 5715 Ensuring Continued Access to Student Loans Act of 2008; S. 2815 Strengthening Student Aid for All Act; and H.R. 5767 (no title bill to prohibit regulatory agencies from issuing rules on UIGEA). Issues related to credit card use including interchange which includes the following legislation: S. 1395 Stop Unfair Practices in Credit Cards Act of 2007; S. 1925 Student Credit Card Protection Act of 2007; S. 3252 Credit Card Accountability, Responsibility and Disclosure (Credit CARD) Act; H.R. 3347 Student Credit Card Protection Act of 2007; H.R. 5244 Credit Cardholders Bill of Rights Act of 2008; H.R. 5546 Credit Card Fair Fee Act of 2008; H.R. 6248 Credit Card Interchange Fees Act of 2008; and S. 3086 Credit Card Fair Fee Act of 2008 Issues related to consumer information, privacy, data security, restrictions on the use of data and privacy including the following legislation: H.R. 948 Social Security Number Protection At of 2007; S. 238 Social Security Number Misuse Prevention Act; S. 495 Personal Data Privacy and Security Act of 2007; S. 1178 Identity Theft Prevention Act; S. 2915 Safeguarding Social Security Numbers Act of 2008; H.R. 958 Data Accountability and Trust Act; H.R. 1685 Data Security Act of 2007; H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007; H.R. 1685 Data Security Act of 2007; H.R. 3046 Social Security Number Privacy and Identify Theft Prevention Act of 2007; H.R. 3316 Identity Theft Protection Act of 2007; H.R. 5324 Social Security Number Misuse Prevention Act; and S. 2661 Anti-Phishing Consumer Protection Act of 2008.

H.R.1427 Federal Housing Reform Act of 2007. All Provisions. GSE Reform. H.R.44 Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R.526 Supporting home ownership and responsible lending. All Provisions. Supports home ownership and responsible lending. S. 2736 Section 202 Supportive Housing for the Elderly Act of 2008. All Provisions. Amends section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes. H.R.4735. Tenant Protection in Foreclosure Act of 2007. All Provisions. Amends the Truth in Lending Act to protect tenants' interests in foreclosure proceedings. S.2595 S.A.F.E. Mortgage Licensing Act of 2008. All Provisions. Creates a national licensing system for residential mortgage loan originators, to develop minimum standards of conduct to be enforced by State regulators, and for other purposes. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. H.R.1289, Community Reinvestment Modernization Act of 2007. All provisions. Enhances the availability of capital and credit for all citizens and communities. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. S.2036, Protecting Access to Safe Mortgages Act. All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act (Consumer Fairness Act). All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation ofloan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2201, Home Ownership Mortgage Emergency Act. All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to celiain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section I. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R.5153 Conforming Loan Limit Temporary Adjustment Act of 2008. All Provisions. To increase temporarily the conforming loan limits of Fannie Mae & Freddie Mac in certain areas, enhance mortgage market liquidity. H.R.5500. Foreclosure Credit Forgiveness Act of 2008. All Provisions. Amends the Fair Credit Reporting Act to provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score. S.2523, National Affordable Housing Trust Fund Act of 2007. All Provisions. Seeks to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and expands the coverage of the appraisal requirements. H.R.3557, Restore American Dream Act of 2007. All Provisions. The establishment of, and the deduction of contributions to, homeownership plans. H.R.3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act. H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act. All provisions. Modifies certain mortgages on principal residences. H.R.3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Seeks partisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R.3705, Fair Disclosure for Homeowners Act of 2007 . All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.3740, ASPIRE Act. All Provisions. Provides every newborn with a $500 Savings Account for education/retirement purposes. H.R.3777, Protecting Access to Safe Mortgages Act. All provisions. Temporarily raisees confOlming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that variesfrom terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgages,loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All provisions. Reforms consumer mortgage practices and provides accountability for such practices, establishes licensing and registration requirements for residential mortgage originators, provides certain minimum standards for consumer mortgage loans. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the patt of holders of residential mortgage loans. S.2399, Financial Education and Counseling Assistance Act of 2007. All provisions.Seeks to expancd and improve housing counseling services by increasing financial education and counseling services available to homeowners and prospective homebuyers in financial turmoil or who seek credit or other personal financial assistance, and for other purposes. S.2490, Reverse Mortgage Proceeds Protection Act. All Provisions. Seeks to prohibit authorized lenders of home equity conversion mortgages from requiring seniors to purchase an annuity with the proceeds of a reverse mortgage, and to provide other consumer protections to reverse mortgage borrowers.

Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S.1299 - Borrower's Protection Act of 2007; H.R.3012 - Fair Mortgage Practices Act of 2007; H.R.3081- Fairness for Homeowners Act of 2007; H.R.3296 - Mortgage Broker Transparency and Accountability Act of 2007; H.R.3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S.2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007; H.R. 946 - Consumer Overdraft Protection Fair Practices Act; S.2133 - HOMES Act; H.R.3221 - American Housing Rescue and Foreclosure Prevention Act of 2008; H.R.3778 - HOMES Act; H.R.3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007; S.1222 - STOP FRAUD Act; S.2452 - Home Ownership Preservation and Protection Act of 2007; and S.2636 - Foreclosure Prevention Act of 2008.

Client expense: $237,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparancy and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act

Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.

Client expense: $3,140,000 · Firm income: Not reported

Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S.1299 - Borrower's Protection Act of 2007; H.R.3012 - Fair Mortgage Practices Act of 2007; H.R.3081- Fairness for Homeowners Act of 2007; H.R.3296 - Mortgage Broker Transparency and Accountability Act of 2007; H.R.3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S.2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007; H.R. 946 - Consumer Overdraft Protection Fair Practices Act; S.2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007; and S.2133 - HOMES Act.

Client expense: $218,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

H.R. 5153 Conforming Loan Limit Temporary Adjustment Act of 2008. All Provisions. To increase temporarily the conforming loan limits of Fannie Mae & Freddie Mac in certain areas, enhance mortgage market liquidity. H.R. 5500. Foreclosure Credit Forgiveness Act of 2008. All Provisions. Amends the Fair Credit Reporting Act to provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score H.R. 4735. Tenant Protection in Foreclosure Act of 2007. All Provisions. Amends the Truth in Lending Act to protect tenants interests in foreclosure proceedings. S. 2736 Section 202 Supportive Housing for the Elderly Act of 2008. All Provisions. Amends section 202 of the Housing Act of 1959 to improve the program under such section for supportive housing for the elderly, and for other purposes. S. 2595 S.A.F.E. Mortgage Licensing Act of 2008. All Provisions. Creates a national licensing system for residential mortgage loan originators, to develop minimum standards of conduct to be enforced by State regulators, and for other purposes. H.R. 44, Stabilizing Affordable Housing for the Future Act. All Provisions. Preserves affordable housing opportunities for low-income families. H.R. 526, Full Funding for IDEA Now Act. All provisions. Supports home ownership and responsible lending. S.1100, Federal Housing Enterprise Regulatory Reform Act of 2007. All provisions. Addresses the regulation of secondary mortgage market enterprises. S. 1222, Stop Fraud Act. All provisions. Stops mortgage transactions which operate to promote fraud, risk, abuse, and under-development. H.R.1289, Community Reinvestment Modernization Act of 2007. All provisions. Enhances the availability of capital and credit for all citizens and communities. S.1299, Borrower's Protection Act of 2007. All provisions. Establishes fiduciary duty for mortgage brokers and originators; establishes standards to assess a consumer's ability to repay. H.R. 1427, Federal Housing Finance Reform Act of 2007. All Provisions. GSE Regulation Reform. S.1985, Capital Access for Senior Homeowners Act of 2007. All Provisions. Improves access of senior homeowners to capital. H.R. 1996, Preservation of Federalism in Banking Act. All Provisions. Clarifies applicability of State law to national banks and Federal savings associations. S.2036, Protecting Access to Safe Mortgages Act . All Provisions. Raises conforming loan limits, portfolio caps for Freddie Mac & Fannie Mae. H.R.2061, Predatory Mortgage Lending Practices Reduction Act. All Provisions. Protects home buyers from predatory lending practices. S.2114, American Home Ownership Preservation Act of 2007. All Provisions. Enhances disclosures and regulation of loan originations; state grants. S.2153, Mortgage Disclosure Improvement Act of 2007. All Provisions. Enhances disclosure of the terms of home mortgage loans. S.2169, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2201, Home Ownership Mortgage Emergency Act . All Provisions. Penalty-free use of retirement funds for mortgage delinquency relief. S.2296, Mortgage Disclosure Enhancement Act of 2007. All Provisions. Provides for improved disclosures by all mortgage lenders at the loan approval and settlement stages of all mortgage loans. S.2346, PROMISE Act. All Provisions. Temporarily increases the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans. S.2391, Government Sponsored Enterprise Mission Improvement Act. All Provisions. Provides for affordable housing relief. S.2452, The Homeownership Preservation and Protection Act of 2007. All Provisions. Protection to consumers with respect to certain high-cost loans. H.R. 2895, National Affordable Housing Trust Fund Act of 2007. All Provisions. Establishes National Affordable Housing Trust Fund in the Treasury. H.R.3012, Fair Mortgage Practices Act of 2007. All Provisions. Provides for the establishment of fair mortgage practices; subprime mortgages: provides a national system for licensing or registering residential mortgage loan originators. H.R.3081, Fairness for Homeowners Act of 2007. All Provisions. Protects consumers from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling. H.R. 3296, Mortgage Broker Transparency and Accountability Act of 2007. All Provisions. Amends the Truth in Lending Act: establishes transparency and accountability requirements for mortgage brokers. H.R.3526, To include all banking agencies within the existing regulatory framework- Section 1. Amends the Internal Revenue Code to make permanent tax deductions for mortgage insurance premiums. H.R. 3535, Homebuyer's Protection Act of 2007. All Provisions. Requires escrow accounts for the payment of property taxes and insurance for all subprime loans, and expands the coverage of the appraisal requirements. H.R.3557, Restore American Dream Act of 2007. All Provisions. The establishment of, and the deduction of contributions to, homeownership plans. H.R.3587, Homeowners' Emergency Mortgage Assistance Act. All Provisions. Establishes a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act. H.R.3609, Emergency Home Ownership and Mortgage Equity Protection Act. All provisions. Modifies certain mortgages on principal residences. H.R.3666, Foreclosure Prevention and Homeownership Protection Act. All Provisions. Seeks partisan commission to perform a comprehensive examination of the current foreclosure and mortgage lending crisis. H.R.3705, Fair Disclosure for Homeowners Act of 2007 . All Provisions. Requires notice to consumers of an upcoming adjustment or reset date with respect to hybrid ARMs. H.R.3740, ASPIRE Act. All Provisions. Provides every newborn with a $500 Savings Account for education/retirement purposes. H.R.3777, Protecting Access to Safe Mortgages Act. All provisions. Temporarily raisees conforming loan limits in high cost areas and portfolio caps applicable to Freddie Mac and Fannie Mae, provides the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets. H.R.3813, Mortgage Kickback Prevention Act of 2007. All provisions. Prohibits mortgage originators from receiving incentive compensation that varies from terms of a res. mortgage loan, and from steering consumers to residential mortgage loans not in the consumers' best interest. H.R.3837, Escrow, Appraisal, and Mortgage Servicing Improvements Act. All provisions. Requires escrows for certain mortgage loans, improves mortgage servicing, promotes sustainable homeownership opportunities, enhances appraisal quality and standards, provides better appraisal oversight, mitigates appraiser pressure. H.R.3894, Negative Amortization Mortgage Loan Transparency Act. All Provisions. Establishes requirements for providing negatively amortizing mortgage loans to first-time borrowers. H.R.3915, Mortgage Reform and Anti-Predatory Lending Act of 2007. All provisions. Reforms consumer mortgage practices and provides accountability for such practices, establishes licensing and registration requirements for residential mortgage originators, provides certain minimum standards for consumer mortgage loans. H.R.4019, Mortgage Disclosure Improvement Act of 2007. All provisions. Enhances disclosure of the terms of home mortgage loans. H.R.4135, Family Foreclosure Rescue Corporation Act. All Provisions. Establishes the Family Foreclosure Rescue Corporation to provide emergency relief to refinance home mortgages of homeowners in foreclosure or default. H.R.4178, Emergency Mortgage Loan Modification Act of 2007. All Provisions. Removes an impediment to troubled debt restructuring on the part of holders of residential mortgage loans. S.2399, Financial Education and Counseling Assistance Act of 2007. All provisions.Seeks to expancd and improve housing counseling services by increasing financial education and counseling services available to homeowners and prospective homebuyers in financial turmoil or who seek credit or other personal financial assistance, and for other purposes. S.2490, Reverse Mortgage Proceeds Protection Act. All Provisions. Seeks to prohibit authorized lenders of home equity conversion mortgages from requiring seniors to purchase an annuity with the proceeds of a reverse mortgage, and to provide other consumer protections to reverse mortgage borrowers. S.2523, National Affordable Housing Trust Fund Act of 2007. All Provisions. Seeks to establish the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families.

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

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

Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including but not limited to the following legislation: S.1299 - Borrower's Protection Act of 2007; H.R.3012 - Fair Mortgage Practices Act of 2007; H.R.3081- Fairness for Homeowners Act of 2007; H.R.3296 - Mortgage Broker Transparency and Accountability Act of 2007; H.R.3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007;

Client expense: $570,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE