National Heroes Credit Protection Act

Social Security Number protection and misuse - HR 5234, HR 3046, S 1208, S 2915. FHA Reorganization Act, alternative data issues - HR 1852, S 2338, HR 3221. Identity theft prevention, consumer security freeze, security breach - HR 3316, S 806, S 1178, S 1260, HR 4791, S 239. Credit Repair Organizations Act. Consumer protection for users of credit monitoring services - HR 2885. Military Services Deployment Act. Notation into active duty servicemen's credit file that they are on duty - HR 513. E-Verify - HR 4088.

Client expense: $120,000 · Firm income: Not reported

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

Issues relating to "file freezes," data security, and consumer notice, including S. 1178 (the Identity Theft Prevention Act), S. 495 (the Personal Data Privacy and Security Act), and H.R. 958 (the Data Accountability and Trust Act); issues relating to information practices customer proprietary network information (CPNI), including H.R. 936 (the Prevention of Fraudulent Access to Phone Records Act); issues relating to "permissible purposes" to obtain consumer reports; issues relating to the misuse of Social Security Numbers; H.R. 513 (the National Heroes Credit Protection Act) and H.R. 3200 (the National Insurance Act).

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Social Security Number protection and misuse - HR 5234, HR 3046, S 1208. FHA Reorganization Act, alternative data issues - HR 1852, S 2338. Identity theft prevention, consumer security freeze, security breach - HR 3316, S 806, S 1178, S1260. Credit Repair Organizations Act. Consumer protection for users of credit monitoring services - HR 2885. Military Service Deployment Act - Notation into active duty servicemen's credit files that they are on duty - HR 513.

Client expense: $120,000 · Firm income: Not reported

HR 513, Military Service Deployment Act: requires dnotation in servicemen's credit files that they are on active duty overseas HR 4791, Federal Data Protectin Act: federal agency purchase of personallly identifiable information from commercial vendors HR 2885, Credit Monitoring Clarification Act: consumer protections for users of credit monitoring services HR 1853, FHA Reorganization Act: alternative data issues HR 2046, HR 948 and S 1208: misuse and privacy of social security numbers HR 3316 and S 1178: credit report freeze legislation allowing consumers to freeze their reports HR 2885: Credit Repair Organization Act (CROA): wouldmaike explicit that credit monitoring services are not credit repair organizations.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1632--Improving Veterans' Reemployment Act of 2007--Requires the Secretary of Labor to include, in a currently-required annual report to Congress concerning the enforcement of veterans' reemployment rights: (1) the number of cases reviewed by the Secretary of Defense under the National Committee for Employer Support of the Guard and Reserve of the Department of Defense, and (2) the number of cases which are disability-related. Directs the Secretary to : (1) ensure that the information required to be submitted is categorized in a uniform way, and (2) also submit all reported information to the Secretaries of Defense and Veterans Affairs, the Attorney General, and the Office of Special Counsel. HR 2259--To ensure that members of the National Guard and Reserves are able to fully participate in the benefits delivery at discharge program administered jointly by the Secretary of Defense and the Secretary of Veterans Affairs to provide information and assistance on available benefits and other transition assistance to members of the Armed Forces who a separating from the Armed Forces.--To ensure that members of the National Guard and Reserves are able to fully participate in the benefits delivery at discharge program administered jointly by the Secretary of Defense and the Secretary of Veterans Affairs to provide information and assistance on available benefits and other transition assistance to members of the Armed Forces who are separating from the Armed Forces. HR 3043; S 1710--Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2008--FY 2007 funding for the Assistant Secretary of Labor for Veterans Employment and Training (ASVET). S 1215--To amend title 38, USC, to extend and improve certain authorities of the Secretary of Veterans Affairs, and for other purposes--Sets $19 million as the maximum amount (currently a progressively increasing amount) per fiscal year for reimbursement to states and local agencies administering veterans' education benefits.; Extends through FY 2007 a pilot program of on-job-training for veterans' claims adjudicators.; Authorizes the VA Secretary to waive, for public interest purposes on a case-by-case basis, the residency requirement for a Director for Veterans' Employment and Training.; Includes veterans of the Global War on Terror within an ongoing veterans' unemployment study.; Amends the Veterans Benefits Improvement Act of 2004 to extend through 2009 an increase in benefits for veterans pursuing apprenticeships or on-job-training. DOL-VETS Appropriations--FY 2008 DOL-VETS Appropriations--The American Legion recommends $352,000,000 to DOL-VETS for FY 2008. H. CON. RES 5--Hire A Veteran Week (LETTER)--Recognize the importance of assisting in the transition process of the men and women who have served or who currently serve in the Armed Forces of the United States. HR 1750; HR 1824; HR 1598; HR 1315; HR 513; HR 2259; HR 1632; HR 112; HR2579--Credit, education and transition--Protective credit measures, accelerated education payments, transition assistance program, reemployment reports, stipends for education courses leading to doctoral degrees, and State Approving Agency funding.

HR 112--G.I. Advanced Education in Science and Technology Act--Directs the Secretary of Veterans Affairs to pay a monthly stipend to each individual who is entitled to veterans' basic educational assistance and is pursuing full-time a doctoral degree in the sciences of engineering, mathematics, other technology disciplines. Allows such payment in addition to any other authorized Montgomery GI Bill educational assistance. Make such payment $1,200 a month (adjusted for inflation for fiscal years after 2005) for up to 60 months. HR 1102--Total Force Educational Assistance Enhancement and Integration Act of 2007--To amend title 38, USC, to recodify as part of that title certain educational assistance programs for members of the reserve components of the Armed Forces, to improve such programs. HR 1824--To amend title 38, USC, to expand the scope of programs of education for which accelerated payments of educational assistance under the Montgomery GI Bill may be used--Permits accelerated payments of educational assistance under the Montgomery GI Bill to an individual enrolled in an approved program of education that leads to employment as an operator of a commercial motor vehicle. Excludes benefits payable under the Montgomery GI Bill from consideration as income for purposes of determining eligibility for education grants or loans under any other provision of Federal law. S 526--Veterans Employment and Training Act of 2007--A bill to amend title 38, USC, to expand the scope of programs of education for which accelerated payments of educational assistance under the Montgomery GI Bill may be used. S 644--Total Force Educational Assistance Enhancement and Integration Act of 2007--To amend title 38, USC, to recodify as part of that title certain educational assistance programs. S 723--Montgomery GI Bill Enhancement Act of 2007--A bill to provide certain enhancement to the Montgomery GI Bill Program for certain individuals who serve as members of the Armed Forces after the September 11, 2001, terrorist attacks. S 1261--Montgomery GI Bill for Life Act of 2007--Provides that, if an individual eligible for educational assistance under the Montgomery GI Bill is enrolled in an educational institution and the period of such individual's entitlement (ten years after discharge of release from active duty) would expire during a quarter or semester of enrollment, that period shall be extended to the end of that quarter or semester. Allows such an extension until the earlier of the end of the course or 12 weeks, in the case of an educational institution not regularly operated on a quarter or semester basis., Repeals the: (1) 14 -year (after first becoming entitled) limit on the use of educational assistance by members of the Selected Reserve; and (2) ten year limit on the use educational assistance by members of the Ready Reserve who are separated due to disability after supporting contingency and certain other operations. The Montgomery GI Bill for life aims to repeal all time limits to use the MGIB. S 1409--21st Century GI Bill of Rights Act of 2007--A bill to provide and enhance education, housing, and entrepreneur assistance for veterans who serve in the Armed Forces after September 11, 2001. S 1719--A bill to amend title 38, USC, to provide additional educational assistance under the Montgomery GI Bill to veterans pursuing a degree in science, technology, engineering, or math--A bill to amend title 38, USC, to provide additional educational assistance under the Montgomery GI Bill to veterans pursuing a degree in science, technology, engineering, or math. HR 1102; S 644--Total Force GI Bill--Creation of a Total Force GI Bill. Allow veterans eligible for the Montgomery GI Bill to use the benefits for longer periods of time, enhance the benefits for reserve and national guard members. To amend title 38, USC, to expand the scope of programs of education for which accelerated payments of educational assistance under the Montgomery GI Bill may be used. Encourage sponsorship of Total Force GI Bill. State Approving Agencies Funding--FY 08 Funding for State Approving Agencies--Maintains the current level of funding for State Approving Agencies to approve courses for eligibility for MGIB payments. S 1215--Numerous Bills--To amend title 38, USC, to extend and improve certain authorities of the Secretary of Veterans Affairs for Accelerated Payments, modification to create an unemployment study on Global War on Terrorism era veterans. S 22--Post 9/11 Veterans Education Assistance Act of 2007--Creation of education benefit for service members who serve at least 2 aggregate years on Active Duty. Veterans' Education and Vocational Benefits--Draft Legislation "Veterans' Education and Vocational Benefits Enhancement Act of 2007--Expansion of eligible MGIB programs for accelerated payments program and expansion of vocational benefits to dependents. HR 1750; HR 1824; HR 1598; HR 1315; HR 513; HR 2259; HR 1632; HR 112; HR 2579--Credit, Education and Transition--Protective credit measures, accelerated education payments, transition assistance program, reemployment reports, stipends for education courses leading to doctoral degrees, and State Approving Agency funding.

HR 675--Disabled Veterans Adaptive Housing Improvement Act--Increases from: (1) $50,000 to $60,000 the maximum amount authorized to be provided by the Department of Veterans Affairs to certain disabled veterans for the construction of specially adapted housing; and (2) $10,000 to $12,000 the maximum amount authorized for specially adapted features in a home. Requires the Secretary of Veterans Affairs to annually increase such amounts to reflect increases in the cost of residential home construction. HR 1315--To amend title 38, USC, to provide specially adaptive housing assistance to certain disabled members of the Armed Forces residing temporarily in housing owned by a family member--Authorizes the VA Secretary to provide specially adaptive housing assistance for disabled members of the Armed Forces residing temporarily in housing owned by a family member if such military member suffers from a disability which is permanent and total in nature and is the result of an injury incurred or disease contracted or aggravated in the line of duty in active military service. HR 1750--To amend the Servicemembers Civil Relief Act to extend from 90 days to one year the period after release of a member of the Armed Forces from active duty during which the member is protected from mortgage foreclosure under that Act--Amends the Servicemembers Civil Relief Act of 1940 to extend from 90 days to one year the period following release from active duty during which a member of the Armed Forces shall be protected from mortgage foreclosure. HR 2378--Services to Prevent Veterans Homelessness Act--To amend title 38, USC, to establish a financial assistance program to facilitate the provision of supportive services for very low-income veteran families in permanent housing. Establish a financial assistance program to facilitate supportive service for very low-income veterans families to assist them in ending their chronic homeless state and to prevent chronic homelessness. HR 2699--Homeless Veterans Service Centers, Homeless Veterans Program--Per diem payments to homeless veterans service centers; homeless veterans programs. HR 1750; HR 1824; HR 1598; HR 1315; HR 513; HR 2259; HR 1632; HR 112; HR 2579--Credit, Education and Transition--Protective credit measures, accelerated education payments, transition assistance program, reemployment reports, stipends for education courses leading to doctoral degrees, and State Approving Agency funding. S 1326--Comprehensive Veterans Benefits Improvement Act of 2007--Full eligibility for VA Home loan guaranty program for Selected Reserve forces, no increase in and return of funding fees for home loan funding to the levels agreed before the 108th Congress HR 551--Home Ownership for America's Veterans Act of 2007 (LETTER)--Help hundreds of thousands of veterans to become eligible to purchase homes. S 1096--Veterans' Housing Benefits Enhancement Act of 2007--Authorizes the VA Secretary, in the case of a member of the Armed Forces determined to have a total disability permanent in nature which was incurred or aggravated in the line of active duty, to furnish home improvements and structural alterations for the member for the disability while the member is hospitalized or receiving outpatient care, medical services, or treatment, if the Secretary determines that the member is likely to be discharged or released from the Armed Forces for such disability., Authorizes the provision of specially adapted housing assistance for: (1) disabled veterans whose disability is due to a severe burn injury; and (2) disabled members residing temporarily in housing owned by a family member. Makes veterans and members with a severe burn disability eligible for automobile and automotive adaptive equipment assistance.

H.R. 513 - National Heroes Credit Protection Act H.R. 2146 - Universal Default Prohibition Act of 2007 H.R. 2840 - National Financial Literacy Act of 2007 S. 1309 - Universal Default Prohibition Act of 2007

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

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

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. 513 - National Heroes Credit Protection Act H.R. 2146 - Universal Default Prohibition Act of 2007 H.R. 2840 - National Financial Literacy Act of 2007 S. 1309 - Universal Default Prohibition Act of 2007

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

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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