Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008

H.R. 1065, H.R. 1682, H.R. 2549, H.R. 2762, H.R. 3121, H.R. 3200, H.R. 330, H.R. 3926, H.R. 3959, H.R. 4050, H.R. 4299, H.R. 4461, H.R. 4721, H.R. 5611, H.R. 5633, H.R. 5792, H.R. 5840, H.R. 5961, H.R. 6062, H.R. 6078, H.R. 6213, H.R. 6285, H.R. 6424, H.R. 91, H.R. 920, H.R. 921, H.R. 922, H.R. 957, S. 1061, S. 1890, S. 1938, S. 2029, S. 2151, S. 2251, S. 2284, S. 2285, S. 2458, S. 2499, S. 2621, S. 3483, S. 396, S. 30, S. 929

Client expense: $454,203 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Congressional Budget Office (CBO), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR91, HR330, HR920, HR921, HR922, HR957, HR1049, HR1065, HR1289, HR1682, HR2549, HR2638, HR2761, HR3121, HR3200, HR3926, HR3959, HR4050, HR4299, HR4461, HR 4721, HR5611, HR5633, HR5792, HR5840, HR5961, HR6062, HR6078, HR6213, HR6285, HR6308, HR6755, S40, S396, S1061, S1890, S1938, S2029, S2040, S2151, S2251, S2284, S2285, S2458, S2499, S2621

Client expense: $433,208 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Patent & Trademark Office (PTO), SENATE, Treasury, Dept of

FEDERAL TRADE COMMISSION: COMMUNICATIONS COVERING PROJECTED HOMEOWNERS CREDIT-SCORING DEPARTMENT OF TREASURY: COMMUNICATIONS WITH THE TERRORISM INSURANCE OFFICE, RE: TERRORISM RISK INSURANCE ACT OF 2002 FEDERAL EMERGENCY MANAGEMENT AGENCY: PENDING CLAIM PAYMENTS FOR THE CERRO GRANDE FIRE FUND S2499: MEDICARE, MEDICAID, AND STATE CHILDREN'S HEALTH INSURANCE PROGRAM EXTENSION ACT OF 2007; SEC. 111 AND LIABILITY INSURANCE PROVISIONS HR3200/S40: NATIONAL INSURANCE ACT OF 2007; ALL PROVISIONS OF THE OPTIONAL FEDERAL CHARTER BILLS DEPARTMENT OF TREASURY PROPOSAL: BLUEPRINT FOR FINANCIAL SERVICES REGULATORY REFORM, DISCUSSION ON SECTIONS ON INSURANCE REGULATION HR 5611: NATIONAL ASSOCIATION OF REGISTERED AGENTS AND BROKERS REFORM ACT OF 2008; ALL PROVISIONS OF THE BILL S2284: FLOOD INSURANCE REFORM AND MODERNIZATION ACT; ALL PROVISIONS OF THE BILL HR3121: FLOOD INSURANCE MODERNIZATION ACT OF 2007; NATIONAL FLOOD INSURANCE PROGRAM AND REAUTHORIZATION DISCUSSION, PROVISIONS RELATING TO THE PROPERTY AND CASUALTY INSURANCE INDUSTRY AND WRITE-YOUR-OWN PROGRAM, AND ALL PERILS POLICY PROVISIONS HR3355: HOMEOWNERS' DEFENSE ACT OF 2007; ALL PROVISIONS OF THE BILL HR5633: NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS OF THE BILL RISK RETENTION ACT; ALL ASPECTS OF THE BILL (NO NUMBER ASSIGNED) MOTOR VEHICLE TITLING/SALVAGE (NO NUMBER ASSIGNED)

Client expense: $130,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Legislation to provide for an optional federal charter for insurance, HR 3200 (National Insurance Act); HR 5840 (A Bill to Establish an Office of Insurance in the Department of Treasury) Legislation affecting consumer credit and information, HR 5633 (Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008)

Client expense: $1,560,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

S 40 and HR 3200 - The National Insurance Act; all aspects of these bills including potential problems created by a federal regulator and a preference for state-based reforms; HR 1065 and S 929 - Non-Admitted and Reinsurance Reform; support for these bills as a more efficient regulatory structure; S 1061 Homeowners Non-Coverage Disclosure Act; costs and problems; HR 5633 and HR 6062 (restrictions on insurers use of credit scoring) oppose these bills which would remove an accurate predictor of insurance claims. HR 3121, S 2284, HR 1682 Flood Insurance Reform and Modernization Act; HR 920 Multiple Peril Insurance Act; HR 921 Flood Insurance Community Outreach Grant Program; HR 922 NFIP Participation Evaluation Act; S 1890 Flood Insurance Choice Act, S 1938 National Flood Mapping Act; S 2151 Community Protection Act, S 2251 Homeowners Flood Protection Act, HR 3959 Phase-in of Actuarial rates for certain properties. HR 2638 and HR 6965 - short term extensions of the NFIP. Our interest in all these bills is to seek meaningful reform of the NFIP including updating flood maps, better enforcement, movement toward actuarially sound rates, and mitigation incentives. We oppose efforts to add a wind peril to the NFIP. HR 5611 National Association of Registered Agent and Brokers Reform Act of 2008; support for the concept of reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. HR 5840 Establish an Office of Insurance Information in the Department of the Treasury; concerns about protection of proprietary data, preemption of state laws, and the appropriate role of the federal government in regulating insurers. HR 4461 and S 2458 Community Building Code Administration Grant Act of 2007; expressed support for these bills which seek to provide funding and incentives for state and local governments to increase their building code enforcement efforts. HR 6078 The Green Act of 2008; questions about impact on the underwriting of homeowners insurance. HR 6495 Transportation and Housing Choices for Gas Price Relief Act of 2008; questions about possible federal incentives for pay-as-you-drive auto insurance.

Client expense: $80,000 · Firm income: Not reported

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

HR4461/S2458: THE COMMUNITY BUILDING CODE ADMINISTRATION GRANT ACT OF 2008; ALL PROVISIONS HR493/S358: GENETIC INFORMATION NONDISCRIMINATION ACT OF 2008; ALL PROVISIONS HR3926: SAFE BUILDING CODE INCENTIVES ACT OF 2007; ALL PROVISIONS HR1776: CALL CENTER CONSUMER;S RIGHT TO KNOW ACT; ALL PROVISIONS HR3200/S40: NATIONAL INSURANCE ACT OF 2007; ALL PROVISIONS S2284: FLOOD INSURANCE REFORM AND MODERNIZATION ACT OF 2007; ALL PROVISIONS HR1424: EMERGENCY ECONOMIC STABILIZATION ACT OF 2008; ALL PROVISIONS HR5633: NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS HR6062: PERSONAL LINES OF INSURANCE FAIRNESS ACT OF 2008; ALL PROVISIONS SAFE TEEN AND NOVICE DRIVER UNIFORM PROTECTION ACT OF 2007; ALL PROVISIONS MOTOR VEHICLE TITLING/SALVAGE; DRAFT BILL (NO NUMBER ASSIGNED) FEDERAL TRADE COMMISSION: HOMEOWNERS CREDIT-SCORING; COMPULSORY PROCESS DEPARTMENT OF TREASURY: TERRORISM RISK INSURANCE ACT OF 2002 - CONTROLLING INFLUENCE SUBMISSION; BLUEPRINT FOR FINANCIAL SERVICES REGULATORY REFORM - DISCUSSION ON SECTIONS REGARDING INSURANCE REGULATION HR5611: NATIONAL ASSOCIATION OF REGISTERED AGENTS AND BROKERS REFORM ACT OF 2008; ALL PROVISIONS HR5840: INSURANCE INFORMATION ACT OF 2008; ALL PROVISIONS OF BILL HR5792: INCREASING INSURANCE COVERAGE OPTIONS FOR CONSUMERS ACT OF 2008; ALL PROVISIONS HR3121/S2284: FLOOD INSURANCE REFORM AND MODERNIZATION ACT; ALL PROVISIONS HR3355: HOMEOWNERS DEFENSE ACT; ALL PROVISIONS S2390: FIRE SAFE COMMUNITIES ACT; ALL PROVISIONS HR2638: 2009 CONTINUING APPROPRIATIONS ACT; PROVISIONS REGARDING THE NATIONAL FLOOD INSURANCE PROGRAM EXTENSION HR6965: EXTEND THE AUTHORIZATION OF THE NATIONAL FLOOD INSURANCE PROGRAM AND FOR OTHER PURPOSES; ALL PROVISIONS HR5633: NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS HR6062: PERSONAL LINES OF INSURANCE FAIRNESS ACT OF 2008; ALL PROVISIONS ENERGY STAR HOME CERTIFICATION; GUIDELINES FOR ENERGY EFFICIENCY

Client expense: $60,000 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

S 3483: PASSENGER VEHICLE LOSS DISCLOSURE ACT; LOSS DATABASE, ALL INSURANCE PROVISIONS HR 3200/S40: NATIONAL INSURANCE ACT OF 2007; ALL PROVISIONS OF THE OPTIONAL FEDERAL CHARTER FEDERAL TRADE COMMISSION: PROJECTED HOMEOWNERS CREDIT-SCORING STUDY, COMPULSORY PROCESS AND DATA DEPOSITORY CONCEPT TREASURY DEPARTMENT: REGULATORY REFORM HR 5611: NATIONAL ASSOCIATION OF REGISTERED AGENTS AND BROKERS REFORM ACT OF 2008; ALL PROVISIONS. HR 5840: THE INSURANCE INFORMATION ACT OF 2008; ALL PROVISIONS OF THE BILL HR 5792: INCREASING INSURANCE COVERAGE OPTIONS FOR CONSUMERS ACT OF 2008; ALL PROVISIONS OF THE BILL HR 2638: DEPARTMENT OF HOMELAND SECURITY APPROPRIATIONS ACT OF 2008; PROVISIONS REGARDING THE NATIONAL FLOOD INSURANCE PROGRAM EXTENSION UNTIL MARCH 6, 2009 SMALL BUSINESS ADMINISTRATION: DISASTER RELATED PROGRAMS, FINANCING MECHANISMS AND SBA LOANS, PRE-EVENT SAVINGS PROGRAMS, POST-EVENT LOANS AND INSURANCE. HR 3355: HOMEOWNERS' DEFENSE ACT OF 2007; ALL PROVISIONS OF THE BILL HR 3121/S 2284: FLOOD AND INSURANCE REFORM AND MODERNIZATION ACT OF 2007; ALL PROVISIONS OF THE BILL HR 6965: TO EXTEND THE AUTHORIZATION OF THE NATIONAL FLOOD INSURANCE PROGRAM, AND FOR OTHER PURPOSES; ALL PROVISIONS OF THE BILL HR 5633: THE NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS OF THE BILL HR 6062: THE PERSONAL LINES OF INSURANCE FAIRNESS ACT OF 2008; ALL PROVISIONS OF THE BILL SAFE TEEN AND NOVICE DRIVER UNIFORM PROTECTION ACT (NO BILL NUMBER ASSIGNED); ALL ASPECTS OF THE BILL HR 1776: CALL CENTER CONSUMER'S RIGHT TO KNOW ACT; ALL ASPECTS OF THE BILL HR 4008: CREDIT AND DEBIT CARD RECEIPT CLARIFICATION ACT OF 2007; ALL PROVISIONS OF THE BILL GENERAL NATURAL CATASTROPHE, FLOOD AND MULTIPLE PERIL COVERAGE ISSUES GENERAL TRACKING AND MONITORING OF FINANCIAL RESCUE PACKAGE, TROUBLED ASSET RELIEF PROGRAM AND CAPITAL PURCHASE PROGRAM GENERAL FLOOD INSURANCE REAUTHORIZATION AND REFORM ISSUES TRANSPORTATION DEPARTMENT: PAY AS YOU DRIVE (PAYD) INITIATIVES AND CLIMATE CONTROL ISSUES

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

Government targets: Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, White House Office

S.1395, Stop Unfair Practices in Credit Cards Act; HR.3200, National Insurance Act of 2007; HR. 5244, Credit Card Holders' Bill of Rights; HR. 5546 Credit Card Fair Fee Act of 2008; Legislation relating to credit card practices; S. 40, National Insurance Act of 2007; HR. 5840, Insurance Information Act of 2008; H.R. 5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008.

Client expense: Not reported · Firm income: $80,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.1395, Stop Unfair Practices in Credit Cards Act; HR.3200, National Insurance Act of 2007; HR. 5244, Credit Card Holders' Bill of Rights; HR. 5546 Credit Card Fair Fee Act of 2008; Legislation relating to credit card practices; S. 40, National Insurance Act of 2007; HR. 5840, Insurance Information Act of 2008; H.R. 5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008.

Client expense: Not reported · Firm income: $80,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR.3200/S.40: National Insurance Act of 2007; HR. 5611: National Association of Registered Agents and Brokers Reform Act of 2008; S.2663: CPSC Reform Act; HR.5633: Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008. HR. 5840, Insurance Information Act of 2008. HR. 1424: Emergency Economic Stabilization Act of 2008 (PL 110-343).

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 958 - Data Accountability and Trust Act of 2007 H.R. 948 - Social Security Number Protection Act of 2007 S. 2663 - The Consumer Product Safety Commission Reform Act S. 2449 - The Sunshine in Litigation Act H.R. 5633 - Nondiscriminatory Use of Consumer REports and Consumer Information Act of 2008 H.R. 6062 - Personal LInes of Insurance Fairness Act of 2008

Client expense: $612,133 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance Regulation issues including: S.40 National Insurance Act of 2007 H.R.3200 National Insurance Act of 2007 S.929 Non-admitted and Reinsurance Reform Act of 2007 Insurance Regulation issues continued: H.R.1065 - Non-admitted and Reinsurance Reform Act of 2007 H.R.5611 National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840 Insurance Information Act of 2008 H.R.5792 Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/Flood Insurance issues including: S.292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 S.2286 Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.3644 - Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330 Homeowners Insurance Availability Act of 2007 S.927 Catastrophe Savings Accounts Act of 2007 H.R.1787 Catastrophe Savings Accounts Act of 2007 H.R.91 Homeowners Insurance Protection Act of 2007 S.928 Homeowners Protection Act of 2007 H.R.920 Multiple Peril Insurance Act of 2007 H.R.164 - Policyholder Disaster Protection Act of 2007 S.926 - Policyholder Disaster Protection Act of 2007 S.2328 - Property Mitigation Assistance Act of 2007 H.R.3355 Homeowners Defense Act of 2007 S.2310 - Homeowners' Defense Act of 2007 S.2327 - Homeowners Insurance Assistance Act of 2007 H.R.3121 Flood Insurance Reform and Modernization Act of 2007 S.2284 - Flood Insurance Reform and Modernization Act of 2007 H.R.922-National Flood Insurance Program Participation Evaluation Act of 2007 S.1890 Flood Insurance Choice Act of 2007 H.R.1682 Flood Insurance Reform and Modernization Act of 2007 S.1890 - Flood Insurance Choice Act of 2007 H.R.3959 - To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061 - Homeowners' Insurance Noncoverage Disclosure Act H.R.2638 Consolidated Security, Disaster Assistance and Continuing Appropriations Act of 2009 (NFIP extension) Auto issues including: S.545 - Passenger Vehicle Loss Disclosure Act H.R.2811 - Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549 Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963 - Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558 Mental Health Parity Act of 2007 H.R.1424 To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 TRICARE issues Underwriting issues including: H.R.5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062 Personal Lines of Insurance Fairness Act H.R.3056 The Social Security Number Privacy and Identity Theft Prevention Act S.3001 Duncan Hunter National Defense Authorization Act for FY09 S.AMDT.5466 Prohibition on Discrimination in Life Insurance

Client expense: $690,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Issues related to use of credit scores in determining insurance rates; HR.5633.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues surrounding data security and privacy, including use of social security numbers and other personal information in the private sector. HR. 948; HR. 3046; HR. 5633; HR. 4175; HR. 6044; S.2831; S.239; HR. 4791; FTC reauthorization legislation.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 920 Multiple Peril Insurance Act; provisions relating to wind coverage H.R. 1065 Nonadmitted and Reinsurance Reform Act of 2007; provisions relating to reinsurance coverage by domestic insurers H.R. 1081 Insurance Industry Competition Act of 2007; entire bill H.R. 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009; provisions relating to a short-term extension of the National Flood Insurance Program H.R. 3121 Flood Insurance Reform & Modernization Act of 2007; provisions relating to NFIP and wind coverage H.R. 3200 National Insurance Act of 2007; entire bill H.R. 3355 - Homeowners Defense Act; provisions relating to state reserves and underwriting requirements H.R. 5611 - The National Association Of Registered Agents And Brokers (NARAB) Reform Act; entire bill H.R. 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008; provisions relating to insurance underwriting of auto and home coverage H.R. 5638 A bill to amend title 35, United States Code, to create an exception from infringement for certain component parts used to repair another article of manufacture; entire bill H.R. 5840 - The Insurance Information Act of 2008; entire bill H.R. 6062 Personal Lines of Insurance Fairness Act; provisions relating to insurance underwriting of auto and home coverage H.R. 6078, Green Resources for Energy Efficient Neighborhoods (GREEN) Act of 2008; provisions affecting homeowners insurance H.R. 6965 - To extend the authorization of the national flood insurance program, and for other purposes; provisions relating to NFIP S. 40 - National Insurance Act of 2007; entire bill S. 334 - Healthy Americans Act; provisions relating to long-term care S. 618 - Insurance Industry Competition Act of 2007; entire bill S. 2284 - Flood Insurance Reform and Modernization Act of 2007; provisions relating to NFIP

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal Trade Commission's (FTC) proposed rules to implement Public Law 108-159, Fair and Accurate Credit Transactions Act, that establishes uniform national standards for certain consumer credit insurance and emplyment transactions. Nondiscriminatory use of Consumer Reports and Consumer Information Act of 2008, H.R. 5633. Personal Lines of Insurance Fairness Act of 2008, H.R. 6062 FTC matter number P044804, comments on Study of the Effects of the Use of Credit Scores and Credit-Based Insurance Scores of the Availability of a Range of Consumer Financial Products and Services. The FTC and Fed issued studies on the effects of credit scores and credit-based insurance scores on the availability of financial products. The FTC's study concentrated on auto insurance. The FTC will continue studying the effects of the use of credit-based insurance scoring as it relates to the affordability of homeowners insurance. Medicare, Medicaid and SCHIP Extension Act of 2007, PL 110-173 and implementation of CMS Guidelines. NPRM for National Motor Vehicle Title Information System (NMVTIS) to create an electronic means to verify and exchange titling, brand and theft data among motor vehicle administators, law enforcement officials, prospective purchasers and insurance carriers.

Client expense: $480,000 · Firm income: Not reported

Government targets: Bureau of Justice Assistance, Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Office of Thrift Supervision (OTS), SENATE

S. 163, Small Business Disaster Response and Loan Improvements Act of 2007 (all provisions) S. 413, Community Choice in Real Estate Act (all provisions) S. 869, The COMPETE Act of 2007 (all provisions) S. 927, Catastrophe Savings Accounts Act of 2007 (all provisions) S. 1176, the Credit Card Minimum Payment Warning Act (all provisions) S. 1299, Borrowers Protection Act of 2007 (all provisions) S. 1309, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 (all provisions) S. 2036, the Protecting Access to Safe Mortgages Act (all provisions) S. 2169, the Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007 (all provisions) S. 2452, the Home Ownership Preservation and Protection Act of 2007 (all provisions) S. 2636, the Foreclosure Prevention Act of 2008 (all provisions, including mortgage-bankruptcy, credit counseling, adjustments to mortgage bonds, and net operating loss carry-back provisions) S. 2753, the Credit Card Reform Act of 2008 (all provisions) S. 2957, the Credit Union Regulatory Improvements Act of 2007 (all provisions) S. 3086, the Credit Card Fair Fee Act of 2008 (all provisions) S. 3252, the Credit CARD Act of 2008 (all provisions) S. 3287, the Protecting Consumers from Unreasonable Credit Rates Act of 2008 (all provisions) H.Res. 526, expressing the sense of the House that Government action should be taken that protects buyers from unscrupulous mortgage brokers and lenders H.R. 41, the Business Checking Fairness Act of 2007 (all provisions) H.R. 111, the Community Choice in Real Estate Act (all provisions) H.R. 873, the Credit Card Payment Fee Act of 2007 To amend the Truth in Lending Act to prohibit fees by creditors for payments on credit card accounts by electronic fund transfers Proposed Fair Credit for Families legislation to create a Financial Product Safety Commission, establish a 30 percent cap on annual credit card interest rates, require clearer disclosures on credit card terms and fees, and provide more funds to promote financial literacy. H.R. 946, the Consumer Overdraft Protection Fair Practices Act To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions H.R. 1066, the Depository Institution Community Development Investments Enhancement Act (all provisions) H.R. 1314, the Photo Identification Security Act (all provisions) H.R. 1361, the Relief for Entrepreneurs: Coordination of Objectives and Values for Effective Recovery Act of 2007 (RECOVER Act) (all provisions) H.R. 1461, the Consumer Credit Protection Act (all provisions) H.R. 1508, the Compete Act of 2007 (all provisions) H.R. 1510, the Credit Card Repayment Act of 2007 (all provisions) H.R. 1515, the Housing and Community Development Act of 1974 to treat certain communities as metropolitan cities for purposes of the community development block grant program (all provisions) H.R. 1787, the Catastrophe Savings Accounts Act of 2007 (all provisions) H.R. 1849, the Credit Union Small Business Lending Act (all provisions) H.R. 2146, the Universal Default Prohibition Act of 2007 To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts H.R. 2911, the Electronic Funds Transfer Equal Consumer Protection Act (all provisions) H.R. 3012, the Fair Mortgage Practices Act of 2007 (all provisions) H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act of 2008 (all provisions) H.R. 3526, to include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions (all provisions) H.R. 3837, the Escrow, Appraisal, and Mortgage Servicing Improvements Act (all provisions H.R. 3838, to temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, affordable loans (all provisions) H.R. 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 (all provisions) H.R. 4049, the Money Service Business Act of 2007 (all provisions) H.R. 5244, the Credit Cardholders Bill of Rights Act of 2008 (all provisions) H.R. 5546, the Credit Card Fair Fee Act of 2008 (all provisions) H.R. 5633, the Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions to modify the Fair Credit Reporting Act) Proposals to address anticipated mortgage foreclosures Proposals to address predatory lending practices in the subprime mortgage market Proposal to freeze interest rates on certain subprime mortgage loans Frank-Schumer GSE cap increase bill Dodd-Frank proposed foreclosure prevention legislation that would provide federal funds to state housing authorities for buying foreclosed properties and Federal Housing Administration guarantees for refinancing distressed mortgages. Frank proposal to create a financial services risk regulator. Discussions of reform of Anti-Money-Laundering programs. General proposals to restructure the financial services regulatory structure. Deposit insurance policies. Programs to bring people into the financial mainstream. Bank examination practices and policies. Proposal regarding garnishment of federal benefits payments. Prepared for meeting with Senate staff on the health of the industry, housing and FDIC. Fannie Mae and Freddie Mac preferred stock issues. H.R. 6871, the Expedited Funds Availability Dollar Limits Adjustment Act of 2008 H.R. 7326, the Systematic Foreclosure Prevention and Mortgage Modification Act (to establish a systematic mortgage modification program at the FDIC) (all provisions)

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

Government targets: Defense, Dept of (DOD), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office

H.R. 1065, H.R. 1682, H.R. 2549, H.R. 2762, H.R. 3121, H.R. 3200, H.R. 330, H.R. 3926, H.R. 3959, H.R. 4050, H.R. 4299, H.R. 4461, H.R. 4721, H.R. 5611, H.R. 5633, H.R. 5792, H.R. 5840, H.R. 5961, H.R. 6062, H.R. 6078, H.R. 6213, H.R. 6285, H.R. 6424, H.R. 91, H.R. 920, H.R. 921, H.R. 922, H.R. 957, S. 1061, S. 1890, S. 1938, S. 2029, S. 2151, S. 2251, S. 2284, S. 2285, S. 2458, S. 2499, S. 2621, S. 3483, S. 396, S. 30, S. 929

Client expense: $454,203 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Congressional Budget Office (CBO), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 1208: to provide additional security and privacy protection for Social Security account numbers. S. 1558: to amend title 14, U.S. Code, to strengthen requirements related to security breaches of data involving the disclosure of sensitive personal information. H.R.136: To amend title II of the Social Security Act to provide that individuals and appropriate authorities are notified by the Commissioner of Social Security of evidence of misuse of the Social Security account numbers of such individuals. H.R.948: To strengthen the authority of the Federal Government to protect individuals from certain acts and practices in the sale and purchase of Social Security numbers and Social Security account numbers, and for other purposes. H.R.958: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. H.R.1627: To amend title II of the Social Security Act to require that the Commissioner of Social Security notify individuals of improper use of their Social Security account numbers. H.R.1685: To protect information relating to consumers, to require notice of security breaches, and for other purposes. H.R. 2124: to amend title 44, U.S. Code, to strengthen requirements related to security breaches of data involving the disclosure of sensitive personal information. H.R. 2455: to amend title II of the Social Security Act to prohibit the sale, purchase, and display to the general public of the Social Security account number. H.R.3316: To amend the Fair Credit Reporting Act to provide individuals the ability to control access to their credit reports, and for other purposes. H.R. 4175: To amend title 18, U.S. Code, with respect to data privacy and security, and for other purposes. H.R. 4241: To prohibit the transfer of personal information to any person or business outside the United States, without notice. H.R. 5633: To amend the Fair Credit Reporting Act to prohibit certain discriminatory uses of consumer reports and consumer information in connection with certain personal lines of insurance, and for other purposes. H.R.5938: Identity Theft Enforcement and Restitution Act of 2008' S.92: A bill to amend the Communications Act of 1934 to prohibit the unlawful acquisition and use of confidential customer proprietary network information, and for other purposes. S.238: A bill to amend title 18, United States Code, to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S.239: A bill to require Federal agencies, and persons engaged in interstate commerce, in possession of data containing sensitive personally identifiable information, to disclose any breach of such information. S.495: A bill to 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. S.1178: A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S.1260: A bill to protect information relating to consumers, to require notice of security breaches, and for other purposes. S.1814: to provide individuals with access to health information of which they are a subject, ensure personal privacy with respect to health related information, promote the use of non-identifiable information for health research, impose criminal and civil penalties for unauthorized use of protected health information, to provide for the strong enforcement of these rights, and to protect states' rights. S.2168: A bill to amend title 18, United States Code, to enable increased federal prosecution of identity theft crimes and to allow for restitution to victims of identity theft. S. 2661: To prohibit the collection of identifying information of individuals by false, fraudulent, or deceptive means through the Internet, a practice known as "phishing," to provide the Federal Trade Commission the necessary authority to enforce such prohibition, and for other purposes. S.2915: to require the commissioner of the Social Security Administration to issue uniform standards for the method for truncation of Social Security account numbers in order to protect such numbers from being used in the perpetration of fraud or identity theft and to provide for a prohibition on the display to the general public on the Internet of Social Security account numbers by state and local governments, and for other purposes S.3053: To amend title XI of the Social Security Act to provide grants for eligible entities to provide services to improve financial literacy among older individuals. S. 3252: to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes.

Client expense: $515,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

HR 5129/S2554 - Civil Rights Act, provisions relating to attorney fees. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007 - provisions relating to privacy. S 495 - Personal Data Privacy and Security Act of 2007, provisions relating to privacy and data security. S 2090 - To Protect Privacy and Security Concerns in Court Records, provisions relating to privacy. HR 4791/S 236 - Federal Agency Data Protection Act, provisions relating to privacy and data security. S 717 - Identification Security Enhancement Act, provisions relating to privacy and security. HR936 - Prevention of Fraudulent Access to Phone Record Act, provisions relating to fraud. HR 220/S1178 - Identity Theft Prevention Act of 2007, provisions relating to data security and privacy. HR 948/S 1208 - Social Security Number Protection Act of 2007, provisions relating to social security numbers. S 2213 - Cyber-Crime Act of 2007, provisions relating to data security. HR 3046 - Social Security Number Privacy and Identity Theft Prevention Act of 2007, provisions relating to social security numbers. S 236 - Federal Agency Data Mining Reporting Act of 2007, provisions relating to privacy. HR 5234/S 238 - Social Security Number Prevention Act of 2007, provisions relating to social security numbers. HR 1951 - Legal Employee Verification Act, provisions relating to privacy. S 2168 - Identity Theft Enforcement and Restitution Act of 2007, provisions relating to data security. HR 3982 - Combat Illegal Immigration Through Employment Verification Act, provisions relating to privacy. S 1691 - Social Security Number Online Protection Act of 2007, provisions relating to social security numbers. HR 2455 - Social Security Number Non-Proliferation Act of 2007, provisions relating to social security numbers. HR 3271 - Social Security Account Number Protection Act of 2007, provisions relating to social security numbers. HR 2885 - Credit Monitoring Clarification Act, provisions relating to credit monitoring . HR 3316 - Identity Theft Protection Act of 2007, provisions relating to identity theft. HR 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, provisions relating to credit scores and insurance.

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

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Treasury, Dept of, White House Office

HR 964- The Securely Protect Yourself Against Cyber Trespass Act; HR 948 - the Social Security Number Protection Act of 2007; HR 958 - The Data Accountability and Trust Act; HR 1525 - The Internet Spyware (I-SPY) Prevention Act of 2007; HR 936 - To prohibit fraudulent access to telephone records; S.495 - The Personal Data Privacy and Security Act of 2007; S.239 - The Notification of Risk to Personal Data Act of 2007; S.1202 -The Personal Data Protection Act of 2007; S.1178 The Identity Theft Prevention Act; ; H.R.4175 - Privacy and Cybercrime Enforcement Act of 2007; H.R.3046 - Social Security Number Privacy and Identity Theft Protection Act of 2007; H.R.5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008; and H.R.4791 - The Federal Agency Data Protection Act.

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

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

HR.3121, Flood Insurance Reform and Modernization Act of 2007 HR.3355, Homeowners' Defense Act of 2007 S.40, National Insurance Act of 2007 HR.5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 HR.3200, National Insurance Act of 2007 HR. 5840, Insurance Information Act of 2008 HR. 5792, Increasing Insurance Coverage Options for Consumers Act of 2008 HR. 5611, National Association of Registered Agents and Brokers Reform Act of 2008 Cargo theft insurance issues

Client expense: Not reported · Firm income: $60,000

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

FEDERAL TRADE COMMISSION: COMMUNICATIONS COVERING PROJECTED HOMEOWNERS CREDIT-SCORING DEPARTMENT OF TREASURY: COMMUNICATIONS WITH THE TERRORISM INSURANCE OFFICE, RE: TERRORISM RISK INSURANCE ACT OF 2002 FEDERAL EMERGENCY MANAGEMENT AGENCY: PENDING CLAIM PAYMENTS FOR THE CERRO GRANDE FIRE FUND S2499: MEDICARE, MEDICAID, AND STATE CHILDREN'S HEALTH INSURANCE PROGRAM EXTENSION ACT OF 2007; SEC. 111 AND LIABILITY INSURANCE PROVISIONS HR3200/S40: NATIONAL INSURANCE ACT OF 2007; ALL PROVISIONS OF THE OPTIONAL FEDERAL CHARTER BILLS DEPARTMENT OF TREASURY PROPOSAL: BLUEPRINT FOR FINANCIAL SERVICES REGULATORY REFORM, DISCUSSION ON SECTIONS ON INSURANCE REGULATION HR 5611: NATIONAL ASSOCIATION OF REGISTERED AGENTS AND BROKERS REFORM ACT OF 2008; ALL PROVISIONS OF THE BILL S2284: FLOOD INSURANCE REFORM AND MODERNIZATION ACT; ALL PROVISIONS OF THE BILL HR3121: FLOOD INSURANCE MODERNIZATION ACT OF 2007; NATIONAL FLOOD INSURANCE PROGRAM AND REAUTHORIZATION DISCUSSION, PROVISIONS RELATING TO THE PROPERTY AND CASUALTY INSURANCE INDUSTRY AND WRITE-YOUR-OWN PROGRAM, AND ALL PERILS POLICY PROVISIONS HR3355: HOMEOWNERS' DEFENSE ACT OF 2007; ALL PROVISIONS OF THE BILL HR5633: NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS OF THE BILL RISK RETENTION ACT; ALL ASPECTS OF THE BILL (NO NUMBER ASSIGNED) MOTOR VEHICLE TITLING/SALVAGE (NO NUMBER ASSIGNED)

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

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

FEDERAL TRADE COMMISSION: PROJECTED HOMEOWNERS CREDIT SCORING; ALTERNATIVE TO COMPULSORY PROCESS OFFICE OF MANAGEMENT AND BUDGET: IMPACT OF THE PAPERWORK REDUCTION ACT AS IT APPLIES TO THE FEDERAL TRADE COMMISSION COMPULSORY PROCESS DEPARTMENT OF TREASURY: BLUEPRINT FOR FINANCIAL SERVICES REGULATORY REFORM; SECTIONS ON INSURANCE REGULATION HR5611: NATIONAL ASSOCIATION OF REGISTERS AGENTS AND BROKERS REFORM ACT OF 2008; ALL PROVISIONS HR3200/S40: NATIONAL INSURANCE ACT OF 2007; ALL PROVISIONS OF OPTIONAL FEDERAL CHARTER S3236: MEDICARE, MEDICAID EXTENSION ACT OF 2008; SECTION 111 AND PROVISIONS FOR LIABILITY INSURANCE HR5840: INSURANCE INFORMATION ACT OF 2008; ALL PROVISIONS HR5792: INCREASING INSURANCE COVERAGE OPTIONS FOR CONSUMERS ACT OF 2008; ALL PROVISIONS HR3121/S2284: FLOOD INSURANCE REFORM AND MODERNIZATION ACT OF 2007; ALL PROVISIONS HR3355: THE HOMEOWNERS DEFENSE ACT OF 2007; ALL PROVISIONS S2390: FIRE SAFE COMMUNITIES ACT; ALL PROVISIONS HR5633: NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS HR 6062: PERSONAL LINES OF INSURANCE FAIRNESS ACT OF 2008; ALL PROVISIONS OF THE BILL HR 4461: COMMUNITY BUILDING CODE ADMINISTRATION GRANT ACT OF 2008; ALL PROVISIONS HR3926: SAFE BUILDING CODE INCENTIVES ACT OF 2007; ALL PROVISIONS HR493/S358: GENETIC INFORMATION NONDISCRIMINATION ACT OF 2008; ALL PROVISIONS MOTOR VEHICLE TITLING/SALVAGE, DRAFT BILL (NO NUMBER ASSIGNED)

Client expense: $80,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

S 3483: PASSENGER VEHICLE LOSS DISCLOSURE ACT; LOSS DATABASE, ALL INSURANCE PROVISIONS HR 3200/S40: NATIONAL INSURANCE ACT OF 2007; ALL PROVISIONS OF THE OPTIONAL FEDERAL CHARTER FEDERAL TRADE COMMISSION: PROJECTED HOMEOWNERS CREDIT-SCORING STUDY, COMPULSORY PROCESS AND DATA DEPOSITORY CONCEPT TREASURY DEPARTMENT: REGULATORY REFORM HR 5611: NATIONAL ASSOCIATION OF REGISTERED AGENTS AND BROKERS REFORM ACT OF 2008; ALL PROVISIONS. HR 5840: THE INSURANCE INFORMATION ACT OF 2008; ALL PROVISIONS OF THE BILL HR 5792: INCREASING INSURANCE COVERAGE OPTIONS FOR CONSUMERS ACT OF 2008; ALL PROVISIONS OF THE BILL HR 2638: DEPARTMENT OF HOMELAND SECURITY APPROPRIATIONS ACT OF 2008; PROVISIONS REGARDING THE NATIONAL FLOOD INSURANCE PROGRAM EXTENSION UNTIL MARCH 6, 2009 SMALL BUSINESS ADMINISTRATION: DISASTER RELATED PROGRAMS, FINANCING MECHANISMS AND SBA LOANS, PRE-EVENT SAVINGS PROGRAMS, POST-EVENT LOANS AND INSURANCE. HR 3355: HOMEOWNERS' DEFENSE ACT OF 2007; ALL PROVISIONS OF THE BILL HR 3121/S 2284: FLOOD AND INSURANCE REFORM AND MODERNIZATION ACT OF 2007; ALL PROVISIONS OF THE BILL HR 6965: TO EXTEND THE AUTHORIZATION OF THE NATIONAL FLOOD INSURANCE PROGRAM, AND FOR OTHER PURPOSES; ALL PROVISIONS OF THE BILL HR 5633: THE NONDISCRIMINATORY USE OF CONSUMER REPORTS AND CONSUMER INFORMATION ACT OF 2008; ALL PROVISIONS OF THE BILL HR 6062: THE PERSONAL LINES OF INSURANCE FAIRNESS ACT OF 2008; ALL PROVISIONS OF THE BILL SAFE TEEN AND NOVICE DRIVER UNIFORM PROTECTION ACT (NO BILL NUMBER ASSIGNED); ALL ASPECTS OF THE BILL HR 1776: CALL CENTER CONSUMER'S RIGHT TO KNOW ACT; ALL ASPECTS OF THE BILL HR 4008: CREDIT AND DEBIT CARD RECEIPT CLARIFICATION ACT OF 2007; ALL PROVISIONS OF THE BILL GENERAL NATURAL CATASTROPHE, FLOOD AND MULTIPLE PERIL COVERAGE ISSUES GENERAL TRACKING AND MONITORING OF FINANCIAL RESCUE PACKAGE, TROUBLED ASSET RELIEF PROGRAM AND CAPITAL PURCHASE PROGRAM GENERAL FLOOD INSURANCE REAUTHORIZATION AND REFORM ISSUES TRANSPORTATION DEPARTMENT: PAY AS YOU DRIVE (PAYD) INITIATIVES AND CLIMATE CONTROL ISSUES

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

Government targets: Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, White House Office

Issues regarding banking; Implementation of the Fair and Accurate Credit Transactions Act of 2003, PL 108-159; Issues regarding insurance scoring; HR5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, all provisions.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES

S 40 and HR 3200 - The National Insurance Act; all aspects of these bills including potential problems created by a federal regulator and a preference for state-based reforms; HR 1065 and S 929 - Non-Admitted and Reinsurance Reform; support for these bills as a more efficient regulatory structure; S 1061 Homeowners Non-Coverage Disclosure Act; costs and problems; HR 5633 and HR 6062 (restrictions on insurers use of credit scoring) oppose these bills which would remove an accurate predictor of insurance claims. HR 3121, S 2284, HR 1682 Flood Insurance Reform and Modernization Act; HR 920 Multiple Peril Insurance Act; HR 921 Flood Insurance Community Outreach Grant Program; HR 922 NFIP Participation Evaluation Act; S 1890 Flood Insurance Choice Act, S 1938 National Flood Mapping Act; S 2151 Community Protection Act, S 2251 Homeowners Flood Protection Act, HR 3959 Phase-in of Actuarial rates for certain properties. HR 2638 and HR 6965 - short term extensions of the NFIP. Our interest in all these bills is to seek meaningful reform of the NFIP including updating flood maps, better enforcement, movement toward actuarially sound rates, and mitigation incentives. We oppose efforts to add a wind peril to the NFIP. HR 5611 National Association of Registered Agent and Brokers Reform Act of 2008; support for the concept of reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. HR 5840 Establish an Office of Insurance Information in the Department of the Treasury; concerns about protection of proprietary data, preemption of state laws, and the appropriate role of the federal government in regulating insurers. HR 4461 and S 2458 Community Building Code Administration Grant Act of 2007; expressed support for these bills which seek to provide funding and incentives for state and local governments to increase their building code enforcement efforts. HR 6078 The Green Act of 2008; questions about impact on the underwriting of homeowners insurance. HR 6495 Transportation and Housing Choices for Gas Price Relief Act of 2008; questions about possible federal incentives for pay-as-you-drive auto insurance.

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

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

Affordable Housing Investment Act of 2008, S. 2666 (Low Income Tax Recapture Bonds) America's Climate Change Security Act of 2007, S. 2191 Arbitration Fairness Act of 2007, H.R. 3010; S. 1782 Asbestos Related Legislation Bankruptcy Transparency Issues Coastal Wind Zone Proposal Commission on Natural Catastrophe Risk Management and Insurance Act of 2007, S. 2286 Community Building Code Administration Grant Act of 2007, H.R. 4461 Emergency Economic Stabilization Act of 2008, H.R. 1424 Homeowners Defense Act of 2007, H.R. 3355 Homeowners Insurance Protection Act of 2007, H.R. 91; S. 928 House Assistance Tax Act of 2008, H.R. 5720 (Low Income Tax Recapture Bonds) False Claims Act Correction Act of 2007, S. 2041 Flood Insurance Reform and Modernization Act of 2007, H.R. 3121; S. 2284 Insurance Industry Competition Act of 2007 (McCarran Ferguson Act), H.R. 1081; S. 618 Insurance Information Act of 2008, H.R. 5840 Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2007, H.R. 2549 Multiple Peril Insurance Act of 2007 (Taylor Wind Bill), H.R. 920 National Association of Registered Agents and Brokers Reform Act of 2008, H.R. 5611 National Insurance Act of 2007 (Optional Federal Charter), H.R. 3200; S. 40 Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, H.R. 5633 Patent Reform Act of 2007, S.1145; H.R. 1908 Personal Lines of Insurance Fairness Act of 2008 (Credit Scoring), H.R. 6062 Related Party Reinsurance (Domestic Tax Issue) Sunshine in Litigation Act of 2007, S. 2449 The Nonadmitted and Reinsurance Reform Act of 2007 (Surplus Lines Reform), S. 929 Terrorism Risk Insurance Program Reauthorization Act of 2007, H.R. 2761 Continue to monitor legislation passed December, 2007

Client expense: $1,430,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Social Security Number Misuse Prevention Act - S. 238, all provisions; Notification of Risk to Personal Data Act of 2007 - S. 239, all provisions; Personal Data Privacy and Security Act of 2007 - S. 495, all provisions; Data Accountability and Trust Act - H.R. 958; Cyber-Security Enhancement and Consumer Data Protection Act of 2007 - H.R. 836, all provisions; Consumer ID Protection and Security Act - S. 806, all provisions; Social Security Number Fradulent Use Notification Act of 2007 - H.R. 1627, all provisions Data Security Act of 2007 - H.R. 1685, all provisions; Data Security Act of 2007 - S. 1260, all provisions; Federal Agency Data Breach Protection Act - S. 1558, all provisions; Identity Theft Protection Act of 2007 - H.R. 3316, all provisions; Nondiscriminatory Use Of Consumer Reports and Consumer Information Act of 2008 - H.R. 5633, all provisions; Emergency Economic Stabilization Act of 2008 - HR 1424, all provisions; Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, all provisions; Auto Industry Financing and Restructuring Act H.R. 7321, all provisions;

Client expense: $190,000 · Firm income: Not reported

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

S.40/H.R.3200, National Insurance Act of 2007, Insurance reform issues. S.1782, Arbitration Fairness Act of 2007, Restrict the use of arbitration. S.2449, Sunshine in Litigation Act of 2007, Restrict the use of protective orders. H.R.5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, Credit scoring related issues. H.R.3121/S.2284, Flood Insurance Reform & Modernization Act of 2007, Insurance issues. H.R.1081/S.618, Insurance Industry Competition Act of 2007, Insurance reform issues. Optional Federal Charter Legislation H.R.1424, Emergency Economic Stabilization Act of 2008, General monitoring. H.R.3997, the original House vehicle for the Emergency Economic Stabilization Act of 2008. For further action on the economic rescue legislation, see H.R.1424.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.40/H.R.3200, National Insurance Act of 2007, Insurance reform issues. S.1782, Arbitration Fairness Act of 2007, Restrict the use of arbitration. S.2449, Sunshine in Litigation Act of 2007, Restrict the use of protective orders. H.R.5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, Credit scoring related issues. H.R.3121/S.2284, Flood Insurance Reform & Modernization Act of 2007, Insurance issues. H.R.1081/S.618, Insurance Industry Competition Act of 2007, Insurance reform issues. Optional Federal Charter Legislation

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Optional Federal Charter for insurers: National Insurance Act of 2007 - S. 40, HR 3200 Office of Insurance Information in the US Department of Treasury: Insurance Information Act of 2008 - HR 5840 Surplus lines: Nonadmitted and Reinsurance Reform Act - HR 1065, S. 929 McCarran-Ferguson repeal: Insurance Industry Competition Act of 2007 - S. 618, HR 1081 Reinsurance International Solvency Standards Evaluation Board Act of 2008 - HR 6213 National Association of Registered Agents and Brokers Reform Act of 2008 - HR 5611 Issues related to using credit in personal lines of insurance - HR 5633, HR 6062 Federal Crop Insurance Program National Flood Insurance Program: Flood Insurance Reform and Modernization Act of 2007 - HR 1682, HR 3121, S. 2284; Multiple Peril Insurance Act of 2007 - HR 920; Flood Insurance Choice Act of 2007 - S. 1890 Medicare Secondary Payer and Workers' Compensation Reform - HR 2549 Issues related to insurance and natural catastrophes - Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - HR 537, S. 292; Homeowners' Protection Act of 2007 - S. 928; Homeowners' Insurance Protection Act of 2007 - HR 91; Homeowners' Insurance Availability Act of 2007 - HR 330; Policyholder Disaster Protection Act of 2007 (tax-deferred catastrophic reserves) - S. 926, HR 164 False Claims Act Correction Act of 2007 - S. 2041, HR 4854 Increasing Insurance Coverage Options for Consumers Act of 2008 - HR 5792 Taxation of Reinsurance Transactions: HR 6969

Client expense: $350,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

The Non-Discriminatory Use of Consumer Reports and Consumer Information Act of 2008 (H.R. 5633) The National Association of Registered Agents & Brokers Reform Act (H.R. 5611) National Insurance Act of 2007 (S.40/H.R. 3200) Flood Insurance Modernization Act (H.R. 3121) Commission on Catastrophic Disaster Risk and Insurance Act of 2007 (S.292) Flood Insurance Reform and Modernization Act of 2007 (S.2284) Homeowners' Defense Act of 2007 (H.R. 3355) Homeowners' Defense Act of 2007 (S. 2310)

Client expense: $1,920,190 · Firm income: Not reported

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

Social Security Number protection and misuse - HR5234, HR3046, S1208, S2915 FHA Reorganization Act, Alternative data issues - HR1852, S2338, HR3221 Identity theft prevention, Consumer security freeze, Security breach - HR3316, S806, S1178, S1260, HR4791, S239 Credit Repair Organization Act. Consumer protection for users of credit monitoring servcies - HR 2885 Military Services Deployment Act. Notation into active duty servicemen's credit file that they are on duty - HR513 E-Verify - HR 4088 Nondiscriminatory Use of Consumer Reports and Consumer Information Act, Use if consumr reports in connection with personal lines of insurance - HR 5633 Mortgage Credit Repair Act, Credit scores effected by subprime and ARM loans - HR 7267

Client expense: $130,000 · Firm income: Not reported

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

Legislation to provide for an optional federal charter for insurance, HR 3200 (National Insurance Act); HR 5840 (A Bill to Establish an Office of Insurance in the Department of Treasury) Legislation affecting consumer credit and information, HR 5633 (Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008)

Client expense: $1,540,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

HR 3200/S 40 - "National Insurance Act of 2007" - Creates a federal insurance regulator HR 1065/S929 - "Nonadmitted and Reinsurance Reform Act of 2007" - Changes to the regulation of surplus lines and reinsurance markets HR 5611 - "National Association of Registered Agents and Brokers Reform Act of 2008" - Multi-state licensing of insurance agents HR 1081/S 618 - "Insurance Industry Competition Act of 2007" - Amends McCarran-Ferguson Act of 1945 and expands Federal Trade Commission (FTC)/Department of Justice (DOJ) oversight of insurers S 2621 - "Terrorism Risk Insurance Improvement Act of 2008" - Provides for a reset mechanism of the Terrorism Risk Insurance Act of 2002 HR 3355/S 2310 - "Homeowners Defense Act of 2007" - Establishes a state bond selling consortium, Treasury loan program, and reinsurance sale HR 537/S 292 - "Commission on Catastrophic Disaster Risk and Insurance Act of 2007" - Creates a bipartisan commission to study natural disaster proposals HR 3121/S 2284 - "Flood Insurance Reform and Modernization Act of 2007" - Reauthorizes and reforms the National Flood Insurance Program S 1693/HR 6357 - "Wired for Health Care Quality Act of 2007" - Proposed amendment to inhibit life insurers use of data HR 5633 - "Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008" - Prohibits use of credit scores with personal lines of insurance HR 3926 - "Safe Building Code Incentive Act of 2007" - Provides incentives for states to adopt and enforce building codes through grants HR 4461/S2458 - "Community Building Code Administration Grant Act of 2007" - Provides grants for increased staffing of building codes administrations HR 5840 - "Insurance Information Act of 2008" - creates a federal oversight office to provide advice and expertise on insurance regulation to the Administration and Congress HR 6062 - "Personal Lines of Insurance Fairness Act of 2008" - Prohibits use of credit scores with personal lines of insurance Enhanced Homeowners Insurance Policy (EHIP), proposal would add flood coverage to a standard homeowner's insurance policy HR 2638 - "Consolidated Security, Disaster Assistance, and Continuing Appropriations Act of 2009" - Continuing Resolution which includes an extension of the National Flood Insurance Program

Client expense: $630,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, U.S. Copyright Office

H.R. 330 - Homeowners' Insurance Availability Act of 2007 - All provisions H.R. 91 - Homeowners' Insurance Protection Act of 2007 - All provisions S. 1061 - Homeowners' Insurance Noncoverage Disclosure Act of 2007 - All provisions H.R. 957 - To amend the Iran Sanctions Act of 1996 to expand and clarify the entities against which sanctions may be imposed - All provisions H.R. 1682 - Flood Insurance Reform and Modernization Act of 2007 - All provisions H.R. 2549 - Medicare Secondary Payer and Worker's Compensation Settlement Agreement Act of 2007 - All provisions H.R. 3121 - Flood Insurance Reform and Modernization Act of 2007 - All provisions H.R. 3926 - Safe Building Codes Act of 2007 - All provisions H.R. 3959 - A bill to amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties - All provisions H.R. - 4050 - Levee-Like structure Consideration Act of 2007 - All provisions H.R. 4299 - Terrorism Risk Insurance Program Reauthorization Act of 2007 - All provisions H.R. 4721 - Terrorism Risk Insurance Improvement Act of 2007 - All provisions H.R. 920 - Multiple Peril Insurance Act of 2007 - All provisions H.R. 921 - Flood Insurance Community Outreach Grant Program Act of 2007 - All provisions H.R. 922 - National Flood Insurance Program Participation Evaluation Act of 2007 - All provisions H.R. 3200 - National Insurance Act of 2007 - All provisions H.R. 1049 - Amend Misinterpreted Excessive Regulation in Corporate America Act - All provisions H.R. 1065 - Non-admitted and Reinsurance Reform Act of 2007 - All provisions H.R. 2761 - Terrorism Risk Insurance Program Reauthorization Act of 2007 - All provisions H.R. 4461 - A bill to promote and enhance the operation of local building code enforcement administration across the country by establishing a competitive federal matching grant program - All provisions H.R. 5611 - A bill to reform the National Association of Registered Agents and Brokers, and for other purposes - All provisions H.R. 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 - All provisions H.R. 5792 - A bill to amend the Liability Risk Retention Act of 1986 to increase insurance competition and available coverage for consumers - All provisions H.R. 5840 - A bill to establish an Office of Insurance Information in the Department of the Treasury - All provisions H.R. 5961 - Medicaid and SCHIP Abuse Prevention Act of 2008 - All provisions H.R. 6062 - Personal Lines of Insurance Fairness Act of 2008 - All provisions H.R. 6213 - Reinsurance International Solvency Standards Evaluation Board Act of 2008 - All provisions H.R. 6424 - Property Mitigation Assistance Act of 2008 - All provisions S. 40 - National Insurance Act of 2007 - All provisions S. 1890 - Flood Insurance Choice Act of 2007 - All provisions S. 1938 - National Flood Mapping Act of 2007 - All provisions S. 2029 - Physicial Payments Sunshine Act of 2007 - All provisions S. 2151 - A bill to amend the National Flood Insurance Act of 1968 to authorize notations on flood insurance rate maps for areas protected against 100-year and 500-year floods by certified flood control structures- All provisions S. 2251 - Homeowners' Flood Protection Act of 2007 - All provisions S. 2284 - Flood Insurance Reform and Modernization Act of 2007 - All provisions S. 2285 - Terrorism Risk Insurance Program Reauthorization Act of 2007 - All provisions S. 2458 - Community Building Code Administration Grant Act of 2007 - All provisions S. 2499 - Medicare, Medicaid and SCHIP extension act of 2007- All provisions S. 2621 - Terrorism Risk Insurance Improvement Act of 2007 - All provisions FTC - Study on Credit-Based Insurance Scores: Impact on Homeowners Insurance - All provisions S. 3483 - Passenger Vehicle Loss Disclosure Act (Introduced in Senate) - All provision H.R. 6078 - Green Act of 2008 - Provision affecting homeowner insurance H.R. 6285 - To amend the National Flood Insurance Act of 1968 to provide for adequate progress on the construction of a flood protection system to include the appropriation of at least 60 percent of the system cost from Federal, State or local funds - All provisions S. 396 - A bill to amend the Internal Tax Revenue Code to 1986 to treat controlled foreign corporations in tax havens as domestic corporations - All provisisions S. 929 - Nonadmitted and Reinsurance Reform Act of 2007 - All provisions

Client expense: $630,000 · Firm income: Not reported

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

S. 40/ H.R. 3200, National Insurance Act (Entire bill) S. 929/ H.R. 1065, Nonadmitted and Reinsurance Reform Act of 2007 (Entire bill) S. 618/ H.R. 1081, Insurnace Industry Competition Act of 2007 (Entire bill) S. 742. H.R. 2385, Ban Asbestos in America Act of 2007 (Entire bill) H.R. 91, The Homeowners Insurance Protection Act of 2007 (Entire bill) H.R. 164/ S. 926, the Policyholder Disaster Protection act of 2007 (Entire bill) H.R. 330, The Homeowners Insurance Availability Act of 2007 (Entire bill) H.R. 537/ S. 292, The commission on Catastrophic Disaster Risk (Entire bill) H.R. 913, The Hurricane and Tornado Mitigation Investment Act of 2007 (Entire bill) H.R. 920, The Multiple Peril Insurance Act of 2007 (Entire bill) H.R. 1682, Flood Insurance Reform and Modernization Act of 2007 (Entire bill) H.R. 1852, Expanding American Homeownership Act of 2007 (Entire bill) H.R. 1787/ S. 927, Catastrophe Savings Account Act (Entire bill) H.R. 3121, Flood Insurance reform and Modernization Act (Entire bill) H.R. 3355/ S. 2310, Homeowners Defense Act (Entire bill) S. 1061, Homeowners Insurance Noncoverage Disclosure Act (Entire bill) S. 1890, Flood Insurance Choice act (Entire bill) S. 2047, Flood Insurance Disclosure act (Entire bill) S. 2286/ H.R. 3644, Commission on Natural Catastrophic Risk Management and Insurance Act (Entire bill) S. 2284, Flood Insurance Reform and Modernization Act (Entire bill) S. 2327, Homeowners Assistance Act (Entire bill) S. 2338/ H.R. 6424, Property Mitigation Assistance Act (Entire bill) S. 2458/ H.R. 4461, Community Building Code Administration Grant Act (Entire bill) H.R. 1746, Holocaust Insurance Accountability Act (Entire bill) H.R. 5633, Non-discriminatory Use of Consumer Reports and Consumer Information Act (Entire bill) H.R. 5611, National Association of Registered agents and Brokers Reform Act of 2008 (Entire bill) H.R. 5840, Insurance Information Act (Entire bill) H.r. 5792, Increasing Insurance Coverage Options for Consumers Act (Entire bill) H.R. 6062, Personal lines of Insurance Fairness Act (Entire bill) H.R. 6213, Reinsurance International Solvency Standards Evaluation Board Act (Entire bill) H.R. 1424, The Emergency Economic Stabilization Act (Sec. 3, Sec. 303) H.R. 3339/ H.R. 6903, Bruce Vento Ban asbestos and Prevent Mesothelioma act (Entire bill) H.R. 2638, Consolidated Security, Disaster Assistance and Continuing Appropriations act of 2009 (Sec. 145)

Client expense: $390,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Insurance regulation issues including: Emergency Economic Stabilization Act H.R.3200, National Insurance Act of 2007; S.40, National Insurance Act of 2007 S.929 and H.R.1065, Non-admitted and Reinsurance Reform Act of 2007 Insurance regulation issues (continued); H.R.5611, National Association of Registered Agents and Brokers Reform Act of 2008 H.R.5840, Insurance Information Act of 2008 H.R.5792, Increasing Insurance Coverage Options for Consumers Act of 2008 Natural Catastrophe/flood issues including: S.292, Commission on Catastrophic Disaster Risk and Insurance Act of 2007 H.R.537, Commission on Catastrophic Disaster risk and Insurance Act of 2007 S.2286, Commission on Natural Catastrophe Risk management and Insurance Act of 2007 H.R.3644, Commission on Natural Catastrophe Risk Management and Insurance Act of 2007 H.R.330, Homeowners Insurance Availability Act of 2007 S.927, Catastrophe Savings Account Act of 2007 H.R.1787, Catastrophe Savings Account Act of 2007 H.R.91, Homeowners Insurance Protection Act of 2007 S.928, Homeowners Protection Act of 2007 H.R.920, Multiple Peril Insurance Act of 2007 H.R.164 and S.926, Policyholder Disaster Protection Act of 2007 S.2328, Property Mitigation Assistance Act of 2007 H.R.2327, Homeowners Insurance Assistance Act of 2007 H.R.3355 and S.2310, Homeowners Defense Act of 2007 H.R.3121 and S.2284, Flood Insurance Reform and Modernization Act of 2007 H.R.922, National Flood Insurance Program Participation Evaluation Act of 2007 S.1890, Flood Insurance Choice Act of 2007 H.R.1682, Flood Insurance Reform and Modernization Act of 2007 H.R.3959, To amend the National Flood Insurance Act of 1968 to provide for the phase-in of actuarial rates for certain pre-FIRM properties. S.1061, Homeowners' Insurance Noncoverage Disclosure Act Auto issues including: S.545 and H.R.2811, Passenger Vehicle Loss Disclosure Act Workers Compensation issues including: H.R.2549, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2007 H.R.3963, Children's Health Insurance Program Reauthorization Act of 2007 Health Insurance issues including: S.558, Mental Health Parity Act of 2007 H.R.1424, To amend section 712 of the Employee Retirement Income Security Act of 1974, section 2705 of the Public Health Service Act, section 9812 of the Internal Revenue Code of 1986 Underwriting issues including: H.R.5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 H.R.6062, Personal Lines of Insurance Fairness Act H.R.3056, The Social Security Number Privacy and Identify Theft Prevention Act

Client expense: Not reported · Firm income: $80,000

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1081; S. 618 Insurance Industry Competition Act of 2007 (all provisions) H.R. 330 Homeowners Insurance Availability Act of 2007 (all provisions) H.R. 1065; S. 929 Nonadmitted and Reinsurance Reform Act of 2007 (all provisions) H.R. 3121; S. 2284 Flood Insurance Reform and Modernization Act (all provisions) H.R. 920 Multiple Peril Insurance Act of 2007 (all provisions) H.R. 3200; S. 40 National Insurance Act of 2007 (all provisions) H.R. 3355; S. 2310 Homeowners Defense Act of 2007 (all provisions) H.R. 4461 Community Building Code Administration Grant Act of 2007 (all provisions) H.R. 3926 Safe Building Code Incentive Act of 2007 (all provisions) Insurance Regulatory Reform H.R. 5611 National Association of Registered Agents and Brokers Reform Act of 2008 (all provisions) H.R. 5633 Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008 (all provisions) H.R. 91; S. 928 Homeowners Insurance Protection Act of 2007 (all provisions) H.R. 537; S. 292 Commission on Catastrophic Disaster Risk and Insurance Act of 2007 (all provisions) S. 1061 Homeowners Insurance Noncoverage Disclosure Act (all provisions) H.R. 5792 Increasing Insurance Coverage Options for Consumers Act of 2008 (all provisions) H.R. 6213 Reinsurance International Solvency Standards Evaluation Board Act of 2008 (all provisions) H.R. 6308 Municipal Bond Fairness Act (all provisions) H.R. 5840 Insurance Information Act (all provisions) H.R. 6062 Personal Lines of Insurance Fairness Act of 2008 (all provisions) S. 2458 Community Building Code Administration Grant Act (all provisions) H.R. 3959 to amend National Flood Insurance Act to provide phase-in of actuarial rates (all provisions) H.R. 2638 Continuing Appropriations Resolution (flood insurance provisions) Equity Indexed Annuity 401(k) Rule - SEC Proposed Rule 151A Systemic Risk Regulator (generally) Financial Services Regulatory Restructuring (generally) Troubled Assets Relief Program Financial Literacy

Client expense: $250,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 40 & H.R. 3200 - National Insurance Act of 2007; Terrorism Risk Insurance Extenstion (continue to monitor, legislation passed in December of 2007); H.R. 91 - Homeowners Insurance Protection Act of 2007; H.R. 3355 - Homeowners Defense Act of 2007; H.R. 5633 - Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Regulation of Insurance: HR 3200; HR 5611; HR 5840; S 40. National Flood Insurance Program: HR 3121; S 1890; S 2047; S 2284. Natural Catastrophe: HR 3355; HR 3644; S 292; S 2286; S 2310. Credit Scoring: HR 5633; HR 6062.

Client expense: $1,420,000 · Firm income: Not reported

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

Regulation of Insurance: HR 3200; S 40; HR 5611. National Flood Insurance Program: HR 3121; S 1890; S 2047; S 2284 (Senator Landrieu's proposal to create ombudsman for the NFIP). Natural Catastrophe: Hr 3355; HR 3644; S 292; S 2286; S 2310. Community Reinvestment: HR 1289. Credit Scoring: HR 5633.

Client expense: $1,280,000 · Firm income: Not reported

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

S.40/H.R.3200, National Insurance Act of 2007, Insurance reform issues. S.1782, Arbitration Fairness Act of 2007, Restrict the use of arbitration. S.2449, Sunshine in Litigation Act of 2007, Restrict the use of protective orders. H.R.5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008, Credit scoring related issues. H.R.3121/S.2284, Flood Insurance Reform & Modernization Act of 2007, Insurance issues. H.R.1081/S.618, Insurance Industry Competition Act of 2007, Insurance reform issues. Optional Federal Charter Legislation

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE