To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.

HR 480 amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number; S 1100 Federal Housing Enterprise Regulatory Reform Act of 2007 involving secondary mortgage practices; HR 1427 Federal Housing Financing Reform Act of 2007 involving consumer education of mortgage lending S 2452 Home Ownership Preservation and Protection Act of 2007 involving mortgage lending and foreclosure; HR 1852 Expanding American Homeownership Act of 2007 involving use of risk base pricing in consumer mortgage products; HR 3915, HR 3609, HR 3648, S 1100, S 1299 involving discussions on mortgage lending practices and best practices

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

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

HR 480 amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number; S 1100 Federal Housing Enterprise Regulatory Reform Act of 2007 involving secondary mortgage practices; HR 1427 Federal Housing Financing Reform Act of 2007 involving consumer education of mortgage lending; S 2452 Home Ownership Preservation and Protection Act of 2007 involving mortgage lending and foreclosure;

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

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

H. R. 1161 Social Security Caregiver Credit Act of 2007 S. 789 Government Credit Card Abuse Prevention Act of 2007 H. R. 1461 Credit CARD Act of 2007 H. R. 1510 Credit Card Repayment Act of 2007 H. R. 1537 Credit Union Regulatory Improvements Act of 2007 S. 894 Idling Reduction Tax Credit Act of 2007 H. R. 1395 Government Credit Card Abuse Prevention Act of 2007 H. R. 1849 Credit Union Small Business Lending Act H. R. 382 Municipal Deposit Insurance Protection Act of 2007 H. R. 873 Credit Card Payment Fee Act of 2007 H. R. 946 Consumer Overdraft Protection Fair Practices Act H. R. 480 To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number. H. Res. 273 Whereas personal financial literacy is essential to ensure that individuals are prepared to manage money, credit, and debt, and become responsible workers, heads of households, investors. S. 1176 Credit Card Minimum Payment Warning Act of 2007 S. 1230 College Saver's Credit Act of 2007 S. 1239 New Markets Tax Credit Extension Act of 2007 S. 1333 Strengthen the Earned Income Tax Credit Act of 2007 H. R. 890 Student Loan Sunshine Act S. 1395 Stop Unfair Practices in Credit Cards Act of 2007 H. R. 2568 Credit Agencies Identity Theft Responsibilities Act of 2007 H. R. 513 National Heroes Credit Protection Act H. R. 1598 Servicemembers Credit Protection Act H. R. 2885 Credit Monitoring Clarification Act See Addendum.

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

H.R. 382 - Municipal Deposit Insurance Protection Act of 2007 H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number. H.R. 513 - National Heroes Credit Protection Act H.R. 873 - Credit Card Payment Fee Act of 2007 H.R. 890 - Student Loan Sunshine Act H.R. 946 - Consumer Overdraft Protection Fair Practices Act H.R. 1161 - Social Security Caregiver Credit Act of 2007 H.R. 1395 - Government Credit Card Abuse Prevention Act of 2007 H.R. 1461 - Credit Card Accountability, Responsibility and Disclosure Act of 2007 or the Credit CARD Act of 2007 H.R. 1510 - Credit Card Repayment Act of 2007 H.R. 1537 - Credit Union Regulatory Improvements Act of 2007 H.R. 1598 - Servicemembers Credit Protection Act H.R. 1849 - Credit Union Small Business Lending Act H.R. 2568 - Credit Agencies Identity Theft Responsibilities Act of 2007 H.R. 2885 - Credit Monitoring Clarification Act H. Res. 273 - Whereas personal financial literacy is essential to ensure that individuals are prepared to manage money, credit, and debt, and become responsible workers, heads of households, investors. S. 789 - Government Credit Card Abuse Prevention Act of 2007 S. 894 - Idling Reduction Tax Credit Act of 2007 S. 1176 - Credit Card Minimum Payment Warning Act of 2007 S. 1230 - College Saver's Credit Act of 2007 S. 1239 - New Markets Tax Credit Extension Act of 2007 S. 1333 - Strengthen the Earned Income Tax Credit Act of 2007 S. 1395 - Stop Unfair Practices in Credit Cards Act of 2007 See Addendum

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

HR 480 amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number; S 1100 Federal Housing Enterprise Regulatory Reform Act of 2007 involving secondary mortgage practices; HR 1427 Federal Housing Financing Reform Act of 2007 involving consumer education of mortgage lending; HR 1852 Expanding American Homeownership Act of 2007 involving use of risk base pricing in consumer mortgage products.

Client expense: $1,360,000 · Firm income: Not reported

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

HR 480 To Amend the Truth in Lending Act S 806 Consumer Identity Protection and Security Act S 1178 Data Security S 1260 Data Security HR 1525 Internet Spyware Prevention Act of 2007 HR 964 Securely Protect Yourself Against Cyber Trespass Act HR 1314 REAL ID Act HR 958 Data Accountability and Trust Act HR 948 Social Security Number Protection Act S 495 Personal Data Privacy and Security Act of 2007

Client expense: $1,320,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.