National Guard and Reservists Debt Relief Act of 2008

S. 3197/H.R. 4044, National Guard and Reservists Debt Relief Act of 2008; Effect of financial crisis/stock market crash on retirement funds. H.R. 3997/H.R. 1424, Emergency Economic Stabilization Act of 2008 (troubled assets relief program and pension funds relief); H.R. 7321 Auto Industry Financing and Restructuring Act; H.R. 7327, Worker, Retiree & Employer Recovery Act of 2008; Economic Stimulus Proposal (infrastructure, school/construction, Clean Truck Program; outsourcing of aircraft maintenance.

Client expense: $373,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Labor, Dept of (DOL), SENATE, U.S. Trade Representative (USTR)

S. 2133, the Home Owners Mortgage and Equity Savings (HOMES) Act (provisions regarding the treatment of primary mortgages during bankruptcy) S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007 (provisions regarding the treatment of primary mortgages during bankruptcy) S. 3197, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (all provisions) H.R. 4044, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) Changes to bankruptcy treatment of primary mortgages, proposed for inclusion in the Emergency Economic Stabilization Act of 2008 S. 3197, the National Guard and Reservists Debt Relief Act of 2008 (all provisions)

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

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

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.

S. 3197/H.R. 4044, National Guard and Reservists Debt Relief Act of 2008; Effect of financial crisis/stock market crash on retirement funds. H.R. 3997/H.R. 1424, Emergency Economic Stabilization Act of 2008 (troubled assets relief program and pension funds relief.)

Client expense: $227,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, U.S. Trade Representative (USTR)

S. 2133, the Home Owners Mortgage and Equity Savings (HOMES) Act (provisions regarding the treatment of primary mortgages during bankruptcy) S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007 (provisions regarding the treatment of primary mortgages during bankruptcy) S. 3197, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (all provisions) H.R. 4044, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) Changes to bankruptcy treatment of primary mortgages, proposed for inclusion in the Emergency Economic Stabilization Act of 2008

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

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; S. 3252, the Credit Card Accountability Responsibility and Disclosure Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

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.

UAL bankruptcy: transfer of pension obligations to PBGC; valuation of Mileage Plus program; H.R. 4044, National Guard and Reservists Debt Relief Act of 2008.

Client expense: $245,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, U.S. Trade Representative (USTR)

Legislation and amendments related to Bankruptcy amendments enacted in 2005 Various amendments offered or suggested to student lending and mortgage legislation HR 3972...HR 4044...HR 3609

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2133, the Home Owners Mortgage and Equity Savings (HOMES) Act (provisions regarding the treatment of primary mortgages during bankruptcy) S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007 (provisions regarding the treatment of primary mortgages during bankruptcy) H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (all provisions) H.R. 4044, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision)

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

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008; (see addendum page) and the 2008 Federal Reserve proposal on credit card and overdraft practices), bankruptcy reform, mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), opposition to requirement to report credit/payment card merchant sales financial data to the Internal Revenue Service as a revenue raiser for the Housing Bill (H.R. 3221, the Foreclosure Prevention Act of 2008), overdraft protection & opposition to requiring opt-ins from customers, calculation of an APR (Annual Percentage Rate) for this fee-based product, and disclosure of a potential overdraft at each point of sale and ATM (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), interchange rates & opposition to price controls (including H.R. 5546 and S. 3086, both called the Credit Card Fair Fee Act of 2008), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044, the National Guard and Reservist Debt Relief Act of 2008), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

S. 3001 FY 2009 Defense Authorization; H.R. 5658 FY 2009 Defense Authorization; HR 6048 amending Service Members Civil Relief Act; HR 4044 exempt Reservists from bankruptcy means testing while on active duty; HR 3221 "Foreclosure prevention Act; HR 5673 "The Military Voting Protection Act" HR 6048, Child Custody for active duty; S. 2658 to amend the Service Members Civil Relief Act; S. 3060 " The Stop Loss Compensation Act

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

Government targets: Defense, Dept of (DOD), HOUSE OF REPRESENTATIVES, Navy, Dept of, SENATE, Veterans Affairs, Dept of (VA), White House Office

H.R. 4044, the National Guard and Reservists Debt Relief Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES

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

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

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

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

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

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

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

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

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

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

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

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

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

Lobbied for banking industry positions on issues including credit card practices & support of the principles of risk-based pricing, notice to and choice for customers (including S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007; and H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008), (see addendum page) mortgage bankruptcy & opposition to giving bankruptcy judges unilateral ability to alter mortgage terms (including S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133, the HOMES Act; H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007; Title IV of S. 2636, the Foreclosure Prevention Act of 2008; Title IV of the Senate substitute version of H.R. 3221, known as the Foreclosure Prevention Act of 2008), mortgage reform/subprime lending/anti-predatory lending (including H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007; and S. 2452, the Home Ownership Preservation and Protection Act of 2007), overdraft protection (including H.R. 946, the Consumer Overdraft Protection Fair Practices Act), ability to discharge student loans during bankruptcy & support of the current-law undue hardship standard (in opposition to House Floor Amendment, on ability to discharge private student loan debt in bankruptcy, to H.R. 4137, the College Opportunity and Affordability Act of 2007), bankruptcy reform for qualifying reserve-component active duty members (H.R. 4044), and regulatory relief; general monitoring of legislative and regulatory activity impacting the banking industry and informing Members of Congress and their staff about the practices, contributions to the American economy and society, and policy positions of the banking industry.

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

Issues related to proposed legislative changes to the bankruptcy code, including H.R. 4044

Client expense: Not reported · Firm income: Not reported