Personal Lines of Insurance Fairness Act of 2008

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. 1061 - Homeowners Insurance Noncoverage Disclosure Act S. 545 - Passenger Vehicle Loss Disclosure Act of 2007 S. 618 - Insurance Industry Competition Act of 2007 H.R. 1081 - Insurance Industry Competition Act of 2007 S. 40 / H.R. 3200 - National Insurance Act of 2007 H.R. 1065 - Nonadmitted and Reinsurance Reform Act of 2007 S. 618 - Insurance Industry Competition Act of 2007 H.R. 5792 - Increasing Insurance Coverage Options for Consumers Act of 2008 H.R. 5611 - National Association of Registered Agents and Brokers Reform Act of 2008 (NARAB II) H.R. 5840 - Insurance Information Act H.R. 6062 - Personal Lines of Insurance Fairness Act of 2008 H.R. 6969- Offshore Reinsurance Cessions, to amend the Internal Revenue Code oof 1986 to disallow the deduction for exces non-taxed reinsurance premiums with respect to United States risks paid to affiliates.

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

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

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

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

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

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

Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - S. 292, all provisions; Commission on Catastrophic Disaster Risk and Insurance Act of 2007 - H.R. 537, all provisions; Passenger Vehicle Loss Disclosure Act - S. 545, all provisions; Insurance Industry Competition Act of 2007 - H.R. 1081, all provisions; Insurance Industry Competition Act of 2007 - S. 618, all provisions; Homeowners' Insurance Noncoverage Disclosure Act - S. 1061, all provisions; National Insurance Act of 2007 - S. 40, all provisions Community Reinvestment Modernization Act of 2007 - H.R. 1289, all provisions National Insurance Act of 2007 - H.R. 3200, all provisions Terrorism Risk Insurance Improvement Act of 2008 - S. 2621, all provisions Office of Insurance Information Act H.R. 5840, all provisions National Association of Registered Agents and Brokers Reform Act H.R. 5611, all provisions Personal Lines Insurance Fairness Act H.R. 6062, all provisions Risk Retention Act H.R. 5792, all provisions Flood Insurance Reform and Modernization Act of 2007 - H.R. 3121, all provisions Flood Insurance Reform and Modernization Act of 2007 - H.R. 1682, all provisions Hurricane and Tornado Mitigation Investment Act of 2007 - S. 930, all provisions Nonadmitted and Reinsurance Reform Act of 2007 - S. 929, all provisions Homeowners Protection Act - S. 928, all provisions Catastrophe Savings Accounts Act of 2007 - S. 927, all provisions Policyholder Disaster Protection Act of 2007 - S. 926, all provisions Homeowners' Insurance Availability Act of 2007 - H. R. 330, all provisions Homeowners' Defense Act - H.R. 3355, all provisions Homeowners' Defense Act - S. 2310, all provisions To extend the authorization of the NFIP H.R.6965, all provisions

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

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

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

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

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)

Monitor status of H.R. 6062; Personal Lines of Insurance Fairness Act

Client expense: $180,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Bureau of the Census, Centers For Medicare and Medicaid Services (CMS), Director of National Intelligence (ODNI), Energy, Dept of, Executive Office of the President (EOP), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), U.S. Postal Service (USPS)

HR 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. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007. HR 6062 - Personal Lines of Insurance Fairness Act of 2008 (Introduced in House). S 2168 - Identity Theft Enforcement and Restitution Act of 2007. S 495 - Personal Data Privacy and Security Act of 2007. S 1178 - Identity Theft Prevention Act. S 1691 - To amend title 18, United States Code, to restrict the public display on the Internet of all or any portion of social security account numbers by State and local governments, and for other purposes. S 2321- To amend the E-Government Act of 2002 (Public Law 107-347) to reauthorize appropriations, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 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. HR 4175 - Privacy and Cybercrime Enforcement Act of 2007. HR 6062 - Personal Lines of Insurance Fairness Act of 2008 (Introduced in House). S 2168 - Identity Theft Enforcement and Restitution Act of 2007. S 495 - Personal Data Privacy and Security Act of 2007. S 1178 - Identity Theft Prevention Act. S 1691 - To amend title 18, United States Code, to restrict the public display on the Internet of all or any portion of social security account numbers by State and local governments, and for other purposes. S 2321- To amend the E-Government Act of 2002 (Public Law 107-347) to reauthorize appropriations, and for other purposes.

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

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: $980,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), 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, Insurance 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 Poicyholder 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. 4721, Terrorism Risk Insurance Improvement 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 Standareds Evaluation Board Act (Entire bill) H.R. 1424, The Emergency Economic Stabilization Act (Entire bill) 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: $480,000 · Firm income: Not reported

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

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: Farm Bill Extension Act of 2007 - HR 2419, S. 2302 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: $220,000 · 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

Insurance regulation issues including: S.40, National Insurance Act of 2007 H.R.3200, 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. 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: $944,634 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1061 - Homeowners Insurance Noncoverage Disclosure Act S. 545 - Passenger Vehicle Loss Disclosure Act of 2007 S. 618 - Insurance Industry Competition Act of 2007 H.R. 1081 - Insurance Industry Competition Act of 2007 S. 40 / H.R. 3200 - National Insurance Act of 2007 H.R. 1065 - Nonadmitted and Reinsurance Reform Act of 2007 S. 618 - Insurance Industry Competition Act of 2007 H.R. 5792 - Increasing Insurance Coverage Options for Consumers Act of 2008 H.R. 5611 - National Association of Registered Agents and Brokers Reform Act of 2008 (NARAB II) H.R. 5840 - Insurance Information Act H.R. 6062 - Personal Lines of Insurance Fairness Act of 2008 H.R. 6969 - Offshore Reinsurance Cessions

Client expense: $944,634 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 5633--Non-Discriminatory Use of Consumer Reports and Consumer Information Act of 2008; and HR 6062--Personal Lines of Insurance Fairness Act of 2008--restricting use of consumer reports in personal lines of insurance

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

Government targets: HOUSE OF REPRESENTATIVES

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 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 - Meidcare, 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. 6308 - Municipal Bond Fairness Act (Introduced in House) - All provisions H.R. 6078 - Green Act of 2008 - Provision affecting homeowner insurance

Client expense: $940,000 · Firm income: Not reported

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

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

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

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

Monitor status of H.R. 6062, Personal Lines of Insurance Fairness Act

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

Government targets: Agriculture, Dept of (USDA), Bureau of the Census, Centers For Medicare and Medicaid Services (CMS), Director of National Intelligence (ODNI), Executive Office of the President (EOP), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), SENATE, Small Business Administration (SBA), U.S. Postal Service (USPS)

HR 5633, Nondiscriminatory Use of Consumer Reports and Consumer Information Act, regarding all provisions. HR 5840, Insurance Information Act, regarding all provisions. HR 6062, Personal Lines of Insurance Fairness Act, regarding all provisions.

Client expense: $830,000 · Firm income: Not reported

Government targets: 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); HR 6062 (Personal Lines of Insurance Fairness Act of 2008)

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 3200/S 40 - "National Insurance Act of 2007" - Creates a federal insurance regulator HR 1065/S 929 - "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/S 2458 - "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 fo 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: $610,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), 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

S 292--Commission on Catastrophic Disaster Risk and Insurance Act of 2007, all provisions; HR 537--Commission on Catastrophic Disaster Risk and Insurance Act of 2007, all provisions; S 545--Passenger Vehicle Loss Disclosure Act, all provisions; HR 1081--Insurance Industry Competition Act of 2007, all provisions; S 618--Insurance Industry Competition Act of 2007, all provisions; S 1061--Homeowners' Insurance Noncoverage Disclosure Act, all provisions; S 40--National Insurance Act of 2007, all provisions; HR 1289--Community Reinvestment Modernization Act of 2007, all provisions; HR 3200--National Insurance Act of 2007, all provisions; S 2621--Terrorism Risk Insurance Improvement Act of 2008, all provisions; HR 5840--Insurance Information Act of 2008, all provisions; HR 5611--National Association of Registered Agents and Brokers Reform Act of 2008, all provisions; HR 6062--Personal Lines of Insurance Fairness Act of 2008, all provisions; HR 5792--Increasing Insurance Coverage Options for Consumers Act of 2008, all provisions related to amendments of the Risk Retention Act.

Client expense: $240,000 · Firm income: Not reported

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

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

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

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

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 Insurance Literacy

Client expense: $240,000 · 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

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 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: $590,000 · Firm income: Not reported

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

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 employment 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.

Client expense: $500,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), 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 employment 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.

Client expense: $380,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), SENATE