Credit Protection Act of 2007

S. 1395 - To prevent unfair practices in credit card accounts, 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. 3421 - Credit Protection Act S. 2411 - Credit Card Safety Star Act of 2007 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. 5244 - Credit Cardholders' Bill of Rights Act of 2008 H.R. 5280 - Stop Unfair Practices in Credit Cards Act of 2007 - To prevent unfair practices in credit card accounts, and for other purposes. H.R. 5546 - Credit Card Fair Fee Act of 2008 S. 2753 - Credit Card Reform Act of 2008 - To protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers. S. 3086 - Credit Card Fair Fee Act. S. 3252 - Credit CARD Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts S. 3252, Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions S. 2753, the Credit Card Reform Act, issues relating to credit card terms and conditions Emergency Economic Stabilization Act, provisions to provide liquidity and stability to the financial markets H.R. 6620, Gas Pump Fair Payment Act of 2008, issues relating to credit card interchange fees

Issues related to credit card use, interchange and their transactions including the following legislation: 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.1925 - Student Credit Card Protection Act of 2007; S.2411 - Credit Card Safety Star Act of 2007; S.2542 - Credit Card Minimum Payment Notification Act of 2008; S.2753 - Credit Card Reform Act of 2008; S.3086 - Credit Card Fair Fee Act of 2008 ; S.3252 - Credit Card Act of 2008; H.R.873 - Credit Card Payment Fee Act of 2007; H.R.1461 - Credit Card Act of 2007; H.R. 1510 - Credit Card Repayment Act of 2007; H.R. 2146 - Universal Default Prohibition Act of 2007; H.R.3347 - Student Credit Card Protection Act of 2007; H.R.3421 - Credit Protection Act of 2007; H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008; H.R.5280 - Stop Unfair Practices in Credit Cards Act of 2007; H.R.5546 - Credit Card Fair Fee Act of 2008; H.R.5988 - Fair and Justifiable Credit Card Interest Rate Act of 2008; and H.R.6248 - Credit Card Interchange Fees Act of 2008.

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

Credit and Debit Card Receipt Clarification Act (HR 4008) Credit CARD Act of 2007 (S 3252/ HR 1461) Credit Card Minimum Payment Warning Act of 2007 (HR 1176) Credit Card Payment Fee Act of 2007 (HR 873) Credit Cardholders Bill of Rights Act of 2008 (HR 5244) Credit Card Repayment Act of 2007 (HR 1510) Credit Protection Act of 2007 (HR 3421) Stop Unfair Practices in Credit Cards Act of 2007 (S 1395/ HR 5280) Universal Default Prohibition Act of 2007 (S 1309/ HR 2146) Arbitration Fairness Act of 2007 (S 1782/HR 3010) Credit Card Reform Act of 2008 (S 2753)

Client expense: $150,000 · Firm income: Not reported

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

S. 1395 - To prevent unfair practices in credit card accounts, 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. 3421 - Credit Protection Act S. 2411 - Credit Card Safety Star Act of 2007 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. 5244 - Credit Cardholders' Bill of Rights Act of 2008 H.R. 5280 - Stop Unfair Practices in Credit Cards Act of 2007 - To prevent unfair practices in credit card accounts, and for other purposes. H.R. 5546 - Credit Card Fair Fee Act of 2008 S. 2753 - Credit Card Reform Act of 2008 - To protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers. S. 3086 - Credit Card Fair Fee Act. S. 3252 - Credit CARD Act of 2008

Client expense: Not reported · Firm income: Not reported

Issues related to credit card use, interchange and their transactions including the following legislation: 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.1925 - Student Credit Card Protection Act of 2007; S.2411 - Credit Card Safety Star Act of 2007; S.2542 - Credit Card Minimum Payment Notification Act of 2008; S.2753 - Credit Card Reform Act of 2008; S.3086 - Credit Card Fair Fee Act of 2008 ; S.3252 - Credit Card Act of 2008; H.R.873 - Credit Card Payment Fee Act of 2007; H.R.1461 - Credit Card Act of 2007; H.R. 1510 - Credit Card Repayment Act of 2007; H.R. 2146 - Universal Default Prohibition Act of 2007; H.R.3347 - Student Credit Card Protection Act of 2007; H.R.3421 - Credit Protection Act of 2007; H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008; H.R.5280 - Stop Unfair Practices in Credit Cards Act of 2007; H.R.5546 - Credit Card Fair Fee Act of 2008; H.R.5988 - Fair and Justifiable Credit Card Interest Rate Act of 2008; and H.R.6248 - Credit Card Interchange Fees Act of 2008.

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

Credit and Debit Card Receipt Clarification Act (HR 4008) Credit CARD Act of 2007 (HR 1461) Credit Card Minimum Payment Warning Act of 2007 (HR 1176) Credit Card Payment Fee Act of 2007 (HR 873) Credit Cardholders Bill of Rights Act of 2008 (HR 5244) Credit Card Repayment Act of 2007 (HR 1510) Credit Protection Act of 2007 (HR 3421) Stop Unfair Practices in Credit Cards Act of 2007 (HR 1395) Universal Default Prohibition Act of 2007 (S1309/HR 2146) Arbitration Fairness Act of 2007 (S 1782/HR 3010) Credit Card Reform Act of 2008 (S 2753)

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system S. 1356, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 698, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures Proposed revisions to Regulation AA regarding unfair and deceptive acts and practices Proposed Senate Legislation regarding credit card practices Issues relating to the proposed "Industrial Bank Holding Company Act" S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts

S. 1395 - To prevent unfair practices in credit card accounts, 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. 3421 - Credit Protection Act S. 2411 - Credit Card Safety Star Act of 2007 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. 5244 - Credit Cardholders' Bill of Rights Act of 2008 H.R. 5280 - Stop Unfair Practices in Credit Cards Act of 2007 - To prevent unfair practices in credit card accounts, and for other purposes. H.R. 5546 - Credit Card Fair Fee Act of 2008 S. 2753 - Credit Card Reform Act of 2008 - To protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers. S. 3086 - Credit Card Fair Fee Act.

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

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Ptorection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Ptorection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system S. 1356, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 698, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures Issues relating to the proposed "Industrial Bank Holding Company Act"

Client expense: $770,000 · Firm income: Not reported

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Ptorection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Ptorection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system S. 1356, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 698, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures Issues relating to the proposed "Industrial Bank Holding Company Act"

Client expense: $770,000 · Firm income: Not reported

Credit and Debit Card Receipt Clarification Act of 2007 (HR 4008) Credit CARD Act of 2007 (HR 1461) Credit Card Minimum Payment Warning Act of 2007 (HR 1176) Credit Card Payment Fee Act of 2007 (HR 873) Credit Cardholders Bill of Rights of 2008 (HR 5244) Credit Card Repayment Act of 2007 (HR 1510) Credit Protection Act of 2007 (HR 3421) Stop Unfair Practices in Credit Cards Act of 2007 (S 1395) Universal Default Prohibition Act of 2007 (S 1309/HR 2146) Arbitration Fairness Act of 2007 (S 1782/HR 3010) Credit Card Reform Act of 2008 (S 2753)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395 - To prevent unfair practices in credit card accounts, and for other purposes. H.R. 1461 - To amend the Consumer Credit Protectcion Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. H.R. 3421 - Credit Protection Act S. 2411 - Credit Card Safety Star Act of 2007 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. 5244 - Credit Cardholders' Bill of Rights Act of 2008 H.R. 5280 - Stop Unfair Practices in Credit Cards Act of 2007 H.R. 5546 - Credit Card Fair Fee Act of 2008 S. 2753 - Credit Card Reform Act of 2008

Client expense: Not reported · Firm income: Not reported

S 2452 (Home Ownership Preservation and Protection Act of 2007), S 2338 (FHA Modernization Act of 2007), HR 3915 (Mortgage Reform and Anti-Predatory Lending Act of 2007), HR 1852 (Expanding American Homeownership Act of 2007), HR 3648 (Mortgage Forgiveness Debt Relief Act of 2007), HR 2419 (Food and Energy Security Act of 2007), HR 698 (Industrial Bank Holding Company Act of 2007), HR 3421 (Credit Protection Act of 2007),

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of