Credit Card Interchange Fees Act of 2008

Issues related to company's financial services offerings. Legislation to amend the Truth in Lending Act (H.R. 6248 in 110th Congress).

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

Government targets: Council on Environmental Quality (CEQ), Energy, Dept of, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE

Legislation to amend the Truth in Lending Act to prohibit unfair practices in electronic payment system networks, and for other purposes (H.R. 6248 in 110th Congress)

Client expense: $1,522,309 · Firm income: Not reported

Government targets: Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Energy, Dept of, Federal Energy Regulatory Commission (FERC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Office of Natl Drug Control Policy (NDCP), SENATE, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.6248, to amend the Truth in Lending Act to prohibit unfair practices in electronic payment system networks

Client expense: $1,370,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Energy, Dept of, Federal Energy Regulatory Commission (FERC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system S. 1356, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 698, Industrial Bank Holding Company Act of 2007, provisions relating to the regulation and supervision of ILCs H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures Proposed revisions to Regulation AA regarding unfair and deceptive acts and practices Proposed Senate Legislation regarding credit card practices Issues relating to the proposed "Industrial Bank Holding Company Act" S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts

Client expense: $1,070,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS)

Issues related to deposit/checking/savings accounts, mortgage loans, home equity lines of credit, student loans (public and private), bankruptcy reform, arbitration provisions in consumer contracts, and other issues which includes the following legislation: S. 1299 Borrowers Protection Act of 2007; H.R. 3012 Fair Mortgage Practices Act of 2007; H.R. 3081 Fairness for Homeowners Act of 2007; H.R. 3296 Mortgage Broker Transparency and Accountability Act of 2007; H.R. 3609 Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S. 2136 Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133 Homeowners Mortgage and Equity Savings Act of 2007; H.R. 946 Consumer Overdraft Protection Fair Practices Act; H.R. 3221 American Housing Rescue and Foreclosure Prevention Act of 2008; H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007; S. 2452 Home Ownership Preservation and Protection Act of 2007; S. 2636 Foreclosure Prevention Act of 2008; H.R. 4044 National Guard and Reservists Debt Relief Act of 2008; H.R. 3010 Arbitration Fairness Act; H.R. 5312 Automobile Arbitration Fairness Act of 2008; H.R. 6126 Fairness in Nursing Home Arbitration Act of 2008; S. 2838 Fairness in Nursing Home Arbitration Act; H.R. 890 Student Loan Sunshine Act of 2007; S. 486 Student Loan Sunshine Act; H.R. 4137 College Opportunity and Affordability Act of 2007; S. 1642 Higher Education Amendments of 2007; H.R. 2669 College Cost Reduction and Access Act; H.R. 5715 Ensuring Continued Access to Student Loans Act of 2008; S. 2815 Strengthening Student Aid for All Act; and H.R. 5767 (no title bill to prohibit regulatory agencies from issuing rules on UIGEA); H.R. 1424 - Emergency Economic Stabilization Act. Issues related to credit card use including interchange which includes the following legislation: S. 1395 Stop Unfair Practices in Credit Cards Act of 2007; S. 1925 Student Credit Card Protection Act of 2007; S. 3252 Credit Card Accountability, Responsibility and Disclosure (Credit CARD) Act; H.R. 3347 Student Credit Card Protection Act of 2007; H.R. 5244 Credit Cardholders Bill of Rights Act of 2008; H.R. 5546 Credit Card Fair Fee Act of 2008; H.R. 6248 Credit Card Interchange Fees Act of 2008; and S. 3086 Credit Card Fair Fee Act of 2008 Issues related to consumer information, privacy, data security, restrictions on the use of data and privacy including the following legislation: H.R. 948 Social Security Number Protection At of 2007; S. 238 Social Security Number Misuse Prevention Act; S. 495 Personal Data Privacy and Security Act of 2007; S. 1178 Identity Theft Prevention Act; S. 2915 Safeguarding Social Security Numbers Act of 2008; H.R. 958 Data Accountability and Trust Act; H.R. 1685 Data Security Act of 2007; H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007; H.R. 1685 Data Security Act of 2007; H.R. 3046 Social Security Number Privacy and Identify Theft Prevention Act of 2007; H.R. 3316 Identity Theft Protection Act of 2007; H.R. 5324 Social Security Number Misuse Prevention Act; and S. 2661 Anti-Phishing Consumer Protection Act of 2008.

Client expense: $510,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees(HR. 5546; The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization; CDFI Appropriations; CLF Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767);The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008;Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

Client expense: $640,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Credit Union Regulatory Improvement Act (HR. 1537); Credit Unions Small Business Lending Act (HR. 1849); Flood Insurance Reform and Modernization Act of 2007 (HR. 3121); National Affordable Housing Trust Fund Act of 2007 (HR. 2895); Terrorism Risk Insurance Revision and Extension Act of 2007 (HR. 2761);Industrial Bank Holding Company Act of 2007 (HR. 698); Expanding Homeownership Act of 2007 (HR. 1852);Federal Housing Finance Reform Act of 2007 (HR. 1427); The Housing Assistance Authorization Act of 2007 (HR. 1923); The Private Student Loan Transparency Act of 2007; The Small Business and Work Opportunity Act of 2007 (S. 349); The Small Business Lending and Reauthorization and Improvement Act of 2007 (S. 1256); The Entrepreneurial Development Act of 2007 (S. 1671); Small Business Venture Capital Act of 2007 (S. 1662); The Small Business Tax Relief Act of 2007 (HR. 976); Social Security Number Privacy and Identity Theft Protection Act of 2007 (HR. 3046); FY 2008 Financial Services Appropriations Bill (HR. 2829); Financial Consumer Hotline Act of 2007 (HR. 4332); Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR. 3915); Escrow, Appraisal and Mortgage Servicing Improvements Act fo 2007 (HR. 3837); Homeowners Defense Act of 2007 (HR. 3355); HOPE VI Improvement and Re-Authorization Act of 2007 (HR. 3524); National Affordable Housing Trust Fund Act of 2007(HR. 2895); Consumer Overdraft Protection Act of 2007 (HR. 946); Identity Theft Protection Act of 2007 (HR. 3316);Credit Card Interchange Fees;The Credit Unions Regulatory Relief Act (HR. 5519); The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 (HR. 5679); The Emergency Loan Modification Act of 2008 (HR. 5579); The Jubilee Act for Responsible Lending and Expanded Debt Cancellation Act of 07 (HR. 2634);The Credit Cardholders Bill of Rights Act of 2008 (HR. 5244); The Internet Tax Freedom Act Amendments of 2007 (HR. 3678); The College Student Relief Act of 2007 (S. 282); The Helping Families Save Their Homes in Bankruptcy Act of 2007 (S. 2136); The Economic Stimulus and Recovery Act of 2008; Department of Defense Reauthorization;Appropriations; Regulatory Relief for financial institutions; Financial literacy; Financial modernization; The Foreclosure Prevention Act of 2008 (HR. 3221); The Credit Union, Bank, Thrift Regulatory Relief Act of 2008 (H.R. 6312); The Credit Union Regulatory Relief Act of 2008 (S. 2957); The Credit Card Interchange Fee Act of 2008 (HR. 6248); The Credit Card Fair Fee Act of 2008 (HR. 5546); The Internet Gambling Regulation and Tax Enforcement Act of 2008 (HR. 5523); The FHA Housing Stabilization and Homeowner Retention Act of 2008 (HR. 5830); The Payment System Protection Act of 2008 (HR. 5767); The Payment Systems Protection Act of 2008, (HR. 6870); Emergency Economic Stabilization Act of 2008; Central Liquidity Fund Cap (CLF); Real Estate Settlement Practices Act of 1974 (RESPA).

Client expense: $640,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general. Gift card legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general. Gift card legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to banking and financial services reform legislation including: H.R. 5546; Credit Card Fair Fee Act of 2008 H.R. 6248; Credit Card Interchange Fees Act of 2008 S. 3086; Credit Card Fair Fee Act of 2008

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

GSA evaluation of security programs in awarding contracts; HR 946, Consumer Overdraft Protection Act; re: disclosure of overdraft fee to consumers; HR 5244, Credit Card Holders Bill of Rights Act of 2008, re open end credit lending practices; S. 1395, Stop Unfair Practices in Credit Cards Act of 2007, re open end credit lending practices; billing practices and finance charges; H.R. 4008, the Credit and Debit Receipt Clarification Act, All provisions; Comments RE: Fair Credit Reporting Act - Section 312, Concerning Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies; H.R. 6248, Credit Card Interchange Fees Act of 2008, all provisions; H.R. 1424, Emergency Economic Stabilization Act of 2008, all provisions.

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

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Employment Standards Administration, Environmental Protection Agency (EPA), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. International Trade Commission (ITC), U.S. Secret Service, U.S. Trade Representative (USTR), White House Office

H.R. 698, S. 1356, Industrial Bank Holding Company Act regarding commercial ownership of banks; H.R. 873, Credit Card Payment Fees Act; H.R. 1461, Credit CARD Act; H.R. 5244 Credit Cardholders' Bill of Rights; S. 1395 Stop Unfair Practices Cards Act; S. 2753 Financial Consumer Protection Act; S. 3252, Credit CARD Act - all regarding credit card practices and disclosures. H.R. 6248, Credit Card Interchange Fee Act regarding interchange fee disclosures.

Client expense: Not reported · Firm income: $15,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

General issues involving interchange fees, including: H.R. 5546 (the Credit Card Fair Fee Act), S. 3086 (the Credit Card Fair Fee Act), H.R. 6248 (the Credit Card Interchange Fees Act of 2008), and H.R. 6620 (the Gas Pump Fair Payment Act), S. 3629 (the Consumer Credit Safety Commission Act) and H.R. 7258 (companion legislation to S. 3629); Issues relating to payment card issuer practices, including: provisions in S. 1395 (the Stop Unfair Practices in Credit Cards Act), H.R. 873 (the Credit Card Payment Fee Act), H.R. 2911 (the Electronic Funds Transfer Equal Consumer Protection Act), H.R. 2146 (the Universal Default Prohibition Act), H.R. 946 (the Consumer Overdraft Protection Fair Practices Act), H.R. 5244 (the Credit Cardholders Bill of Rights Act), S. 2753 (the Credit Card Reform Act), S. 2411 (the Credit Card Safety Star Act), and S. 3252 (the Credit Card Accountability Responsibility and Disclosure Act); Issues pertaining to data security, customer notification of security breaches, and mitigation of harm resulting from security breaches, including: provisions in S. 1178 (the Identity Theft Prevention Act), S. 239 (the Notification of Risk to Personal Data Act), S. 495 (the Personal Data Privacy and Security Act), H.R. 958 (the Data Accountability and Trust Act), and H.R. 3046 (the Social Security Number Privacy and Identity Theft Prevention Act); Issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including: provisions in S. 980 (the Ryan Haight Online Pharmacy Consumer Protection Act), H.R. 6353 (companion legislation to S. 980), and S. 1082 (the Food and Drug Administration Revitalization Act); Issues relating to the use of payment systems in connection with transactions infringing on intellectual property rights, including: S. 3325 (the Prioritizing Resources and Organization for Intellectual Property Act) and H.R. 4279 (companion legislation to S. 3325); Issues related to retail theft, including: H.R. 6491 (the Organized Retail Crime Act), and S. 3434 (companion legislation to H.R. 6491).

Client expense: $510,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Issues related to consumer credit; H.R. 5546 and S. 3086, the Credit Card Fair Free Act; Credit Card Interchange Fees Act of 2008 (H.R. 6248); Passage of H.R. 1424, the Emergency Economic Stabilization Act of 2008.

Client expense: $330,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR)

H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 5546 and S. 3086, the Credit Card Fair Fee Act of 2008;

Client expense: $330,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR)

Issues regarding banking; Issues regarding data breach; Issues regarding labor, antitrust and workplace; HR 5546, Credit Card Fair Fee Act of 2008, all provisions; HR 5244, Credit Card Holders Bill of Rights Act of 2008, all provisions; S 495, Personal Data Privacy and Security Act of 2007, all provisions; S 1178, Identity Theft Protection Act, all provisions; HR 3046, Social Security Number Privacy and Identity Theft Prevention Act of 2007, all provisions; HR 3316, Identity Theft Protection Act of 2007, all provisions; HR 6248, Credit Card Interchange Fees Act of 2008, all provisions; S 3086, Credit Card Fair Fee Act of 2008, all provisions; HR 6620, Gas Pump Fair Payment Act of 2008, all provisions.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R.6248, to amend the Truth in Lending Act to prohibit unfair practices in electronic payment system networks

Client expense: $1,370,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Energy, Dept of, Federal Energy Regulatory Commission (FERC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

H.R. 2380, H.R. 4042, H.R. 4235-Estate Tax: Bills to repeal or reform the Estate Tax See attached page... H.R. 976-Tax Relief: Tax relief for small business H.R. 2049, S. 1244-OSHA Reform including legislation to streamline regulatory burdens for small business. H.R. 3660, S. 2239-Health Care: Legislation to allow self-employed individuals to deduct health insurance costs in computing self-employment taxes, and other health care reform legislation. H.Con.Res 99, S. Con Res 70-Reg Reform: Tax Gap. H.R. 4088, S. 2368, H.R. 371, S. 340, H.R. 1843-Immigration Reform: Legislation to reform the H-2A Agricultural Guestworker Program and other immigration laws. H.R. 3396, S. 34-Streamlined Sales Tax legislation. H.R. 5546, S.3086-Credit Card Fair Fee Act. H.R. 6210, S. 2795-SHOP Act. The Small Business Health Care Options Program. S. 2818-Small business health plans. Merchant Card Reporting and Taxpayer Identification (TIN) Collection Emergency Agriculture Relief Act (EARA) Oil and Gas Prices H.R. 800-Employee Free Choice Act H.R. 6248- Credit Card Interchange Fee Act of 2008 Velazquez CHOICE Act Placeholder in FY 2008 Budger Resolution for Estate Tax Reform H.R. 5804- Taxpayer Responsability, Accountability and Consistency Act.

Client expense: $220,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Environmental Protection Agency (EPA), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R.5244, the Credit Cardholders Bill of Rights Act of 2007, provisions relating to credit card practices. H.R.5546, the Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees. H.R. 6248, the Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees.

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts S. 3252, Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions S. 2753, the Credit Card Reform Act, issues relating to credit card terms and conditions Emergency Economic Stabilization Act, provisions to provide liquidity and stability to the financial markets H.R. 6620, Gas Pump Fair Payment Act of 2008, issues relating to credit card interchange fees H.R. 6618, Stop Deceptive Advertising of Gas Prices Act, issues relating to credit card fees

Client expense: $1,030,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)

Interchange Issues HR 6248 Credit Card Interchange Fees Act of 2008

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

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

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices of 2007 HR 1852, Expanding American Homewonership Act of 2007 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Predatory Lending Issues Regulation of Industrial Loan Corporation Holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs HR 6871, Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Payments Systems Expedited Funds Availability Act Amendments Real Estate Settlement Procedures Act (RESPA) regulations Fair Value Accounting (Mark to Market Accounting) SFAS 157, Fair Value Measurements HR 1424, Emergency Economic Stabilization Act HR 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009 Flood Insurance Housing Assistance Tax Act of 2008 Deposit Insurance Premiums Bank Examinations Financial Services Regulatory Structure Implementation of Housing and Economic Recovery Act of 2008 (Hope for Homeowners Program) Conservatorship of Fannie Mae/Freddie Mac Bank Capital Rules Money Market Mutual Fund Temporary Guaranty Program Community bank access to Troubled Asset Relief Program

Client expense: $1,230,000 · Firm income: Not reported

Government targets: Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Issues related to credit card use, interchange and their transactions including the following legislation: S.1176 - Credit Card Minimum Payment Warning Act of 2007; S.1309 - Universal Default Prohibition Act of 2007; S.1395 - Stop Unfair Practices in Credit Cards Act of 2007; S.1925 - Student Credit Card Protection Act of 2007; S.2411 - Credit Card Safety Star Act of 2007; S.2542 - Credit Card Minimum Payment Notification Act of 2008; S.2753 - Credit Card Reform Act of 2008; S.3086 - Credit Card Fair Fee Act of 2008 ; S.3252 - Credit Card Act of 2008; H.R.873 - Credit Card Payment Fee Act of 2007; H.R.1461 - Credit Card Act of 2007; H.R. 1510 - Credit Card Repayment Act of 2007; H.R. 2146 - Universal Default Prohibition Act of 2007; H.R.3347 - Student Credit Card Protection Act of 2007; H.R.3421 - Credit Protection Act of 2007; H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008; H.R.5280 - Stop Unfair Practices in Credit Cards Act of 2007; H.R.5546 - Credit Card Fair Fee Act of 2008; H.R.5988 - Fair and Justifiable Credit Card Interest Rate Act of 2008; and H.R.6248 - Credit Card Interchange Fees Act of 2008.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues involving interchange fees, including H.R. 5546 (the Credit Card Fair Fee Act), S. 3086 (the Credit Card Fair Fee Act), H.R. 6248 (the Credit Card Interchange Fees Act of 2008), and H.R. 6620 (the Gas Pump Fair Payment Act), S. 3629 (the Consumer Credit Safety Commission Act) and H.R. 7258 (companion legislation to S. 3629); issues relating to payment card issuer practices, including provisions in S. 1395 (the Stop Unfair Practices in Credit Cards Act), H.R. 873 (the Credit Card Payment Fee Act), H.R. 2911 (the Electronic Funds Transfer Equal Consumer Protection Act), H.R. 2146 (the Universal Default Prohibition Act), H.R. 946 (the Consumer Overdraft Protection Fair Practices Act), H.R. 5244 (the Credit Cardholders Bill of Rights Act), S. 2753 (the Credit Card Reform Act), S. 2411 (the Credit Card Safety Star Act), and S. 3252 (the Credit Card Accountability Responsibility and Disclosure Act); issues pertaining to data security, customer notification of security breaches, and mitigation of harm resulting from security breaches, including provisions in S. 1178 (the Identity Theft Prevention Act), S. 239 (the Notification of Risk to Personal Data Act), S. 495 (the Personal Data Privacy and Security Act), H.R. 958 (the Data Accountability and Trust Act), and H.R. 3046 (the Social Security Number Privacy and Identity Theft Prevention Act); issues involving the use of payment cards in connection with Internet gambling, including H.R. 5767 (the Payment Systems Protection Act) and H.R. 6870 (the Payments System Protection Act); issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 980 (the Ryan Haight Online Pharmacy Consumer Protection Act), H.R. 6353 (companion legislation to S. 980), and S. 1082 (the Food and Drug Administration Revitalization Act); issues relating to the use of payment systems in connection with transactions infringing on intellectual property rights, including S. 3325 (the Prioritizing Resources and Organization for Intellectual Property Act) and H.R. 4279 (companion legislation to S. 3325); and issues related to retail theft, including H.R. 6491 (the Organized Retail Crime Act), and S. 3434 (companion legislation to H.R. 6491).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 1395, Stop Unfair Practices in Credit Cards Act of 2007, provisions relating to credit card issuer practices. HR 946, Consumer Overdraft Protection Fair Practices Act, provisions relating to debit card issuer practices. Disclosure and protection issues. HR 2829, Financial Services and General Government Appropriations Act of 2008, provisions relating to interchange rates. HR 5546 The Credit Card Fair Fee Act of 2008 - Provisions relating to Interchange S3086 The Credit Card Fair Fee Act of 2008 - Provisions relating to Interchange HR 6248 The Credit Card Interchange Fees Act - Provisions relating to Interchange HR 5244 The Cardholder's Bill of Rights - Provisions relating to card practices Regulatory issues in connection with pre-paid cards.

Client expense: $970,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

HR 698, S. 1356, Industrial Bank Holding Company Act--which deal with commercial ownership of banks. HR 873, Credit Card Payment Fees Act, HR 1461, Credit CARD Act, HR 5244, Credit Cardholder's Bill of Rights Act, S. 1395, Stop Unfair Practices Cards Act, S. 2753, Financial Consumer Protection Act, S. 3252 Credit CARD Act--which deal with credit practices and disclosures. HR 6248, Credit Card Interchange Fee Act, HR 6620, Gas Pump Fairness Act--which deal with interchange fees.

Client expense: $210,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act, provisions relating to credit card practices H.R. 873, Credit Card Payment Fee Act of 2007, provisions relating to certain fees H.R. 1461, Credit Card Act, provisions relating to credit card practices H.R. 5244, Credit Cardholders' Bill of Rights Act of 2007, provisions relating to credit card practices HR. 2146, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1309, Universal Default Prohibition Act of 2007, provisions relating to risk based pricing S. 1176, Credit Card Minimum Payment Warning Act of 2007, minimum payment disclosure requirements HR 1510, Credit Card Repayment Act of 2007, provisions relating to minimum payment disclosure requirements S. 1925, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3347, Student Credit Card Protection Act of 2007, underwriting standards for student cards H.R. 3421, Credit Protection Act of 2007, disclosure provisions S. 2411, the Credit Card Safety Star Act of 2007, provisions to create a credit card rating system H.R. 5546, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange rates Proposed revisions to Regulation Z regarding open-end credit plan disclosures S. 3086, Credit Card Fair Fee Act of 2008, issues relating to credit card interchange fees H.R. 6248, Credit Card Interchange Fee Act of 2008, issues relating to credit card interchange fees Proposed amendments to Regulation AA regarding certain unfair and deceptive acts and practices, issues relating to credit card terms and conditions H.R. 5988, the Fair and Justifiable Credit Card Interchange Fee Act of 2008, provisions relating to credit card interchange fees S2978/H.R. 4008, the Credit and Debit Card Receipt Clarification Act of 2008, provisions relating to printing of information on credit card receipts S. 3252, Credit Card Accountability Responsibility and Disclosure Act of 2008, issues relating to credit card terms and conditions S. 2753, the Credit Card Reform Act, issues relating to credit card terms and conditions Emergency Economic Stabilization Act, provisions to provide liquidity and stability to the financial markets H.R. 6620, Gas Pump Fair Payment Act of 2008, issues relating to credit card interchange fees

Client expense: $920,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Postal Service (USPS)

Issues related to deposit/checking/savings accounts, mortgage loans, home equity lines of credit, student loans (public and private), bankruptcy reform, arbitration provisions in consumer contracts, and other issues which includes the following legislation: S. 1299 Borrowers Protection Act of 2007; H.R. 3012 Fair Mortgage Practices Act of 2007; H.R. 3081 Fairness for Homeowners Act of 2007; H.R. 3296 Mortgage Broker Transparency and Accountability Act of 2007; H.R. 3609 Emergency Home Ownership and Mortgage Equity Protection Act of 2007; S. 2136 Helping Families Save Their Homes in Bankruptcy Act of 2007; S. 2133 Homeowners Mortgage and Equity Savings Act of 2007; H.R. 946 Consumer Overdraft Protection Fair Practices Act; H.R. 3221 American Housing Rescue and Foreclosure Prevention Act of 2008; H.R. 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007; S. 2452 Home Ownership Preservation and Protection Act of 2007; S. 2636 Foreclosure Prevention Act of 2008; H.R. 4044 National Guard and Reservists Debt Relief Act of 2008; H.R. 3010 Arbitration Fairness Act; H.R. 5312 Automobile Arbitration Fairness Act of 2008; H.R. 6126 Fairness in Nursing Home Arbitration Act of 2008; S. 2838 Fairness in Nursing Home Arbitration Act; H.R. 890 Student Loan Sunshine Act of 2007; S. 486 Student Loan Sunshine Act; H.R. 4137 College Opportunity and Affordability Act of 2007; S. 1642 Higher Education Amendments of 2007; H.R. 2669 College Cost Reduction and Access Act; H.R. 5715 Ensuring Continued Access to Student Loans Act of 2008; S. 2815 Strengthening Student Aid for All Act; and H.R. 5767 (no title bill to prohibit regulatory agencies from issuing rules on UIGEA); H.R. 1424 - Emergency Economic Stabilization Act. Issues related to credit card use including interchange which includes the following legislation: S. 1395 Stop Unfair Practices in Credit Cards Act of 2007; S. 1925 Student Credit Card Protection Act of 2007; S. 3252 Credit Card Accountability, Responsibility and Disclosure (Credit CARD) Act; H.R. 3347 Student Credit Card Protection Act of 2007; H.R. 5244 Credit Cardholders Bill of Rights Act of 2008; H.R. 5546 Credit Card Fair Fee Act of 2008; H.R. 6248 Credit Card Interchange Fees Act of 2008; and S. 3086 Credit Card Fair Fee Act of 2008 Issues related to consumer information, privacy, data security, restrictions on the use of data and privacy including the following legislation: H.R. 948 Social Security Number Protection At of 2007; S. 238 Social Security Number Misuse Prevention Act; S. 495 Personal Data Privacy and Security Act of 2007; S. 1178 Identity Theft Prevention Act; S. 2915 Safeguarding Social Security Numbers Act of 2008; H.R. 958 Data Accountability and Trust Act; H.R. 1685 Data Security Act of 2007; H.R. 1525 Internet Spyware (I-SPY) Prevention Act of 2007; H.R. 1685 Data Security Act of 2007; H.R. 3046 Social Security Number Privacy and Identify Theft Prevention Act of 2007; H.R. 3316 Identity Theft Protection Act of 2007; H.R. 5324 Social Security Number Misuse Prevention Act; and S. 2661 Anti-Phishing Consumer Protection Act of 2008.

Client expense: $410,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 5546, Credit Card Interchange Fees: entire bill. S 3806, Credit Card Fair Fee Act: entire bill. HR 6248, Credit Card Interchange Fees Act of 2008: entire bill.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 698, S. 1356, Industrial Bank Holding Company Act regarding commercial ownership of banks; H.R. 873, Credit Card Payment Fees Act; H.R. 1461, Credit CARD Act; H.R. 5244 Credit Cardholders' Bill of Rights; S. 1395 Stop Unfair Practices Cards Act; S. 2753 Financial Consumer Protection Act; S. 3252, Credit CARD Act - all regarding credit card practices and disclosures. H.R. 6248, Credit Card Interchange Fee Act regarding interchange fee disclosures.

Client expense: Not reported · Firm income: $15,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S 1356, Industrial Bank Holding Company Act of 2007 S 1405, Communities First Act HR 3012, Fair Mortgage Practices Act of 2007 HR 1852, Expanding American Homeownership Act of 2007 HR 3221, Housing and Economic Recovery Act of 2008 HR 1869, Communities First Act HR 1537, Credit Union Regulatory Improvement Act of 2007 HR 5519 Credit Union Regulatory Relief Act HR 1849, Credit Union Small Business Lending Act HR 2727, Small Business SOX Compliance Extension Act HR 1332, Small Business Lending Improvements Act of 2007 HR 873, Credit Card Payment Fee Act of 2007 HR 946, The Consumer Overdraft Protection Fair Practices Act of 2007 HR 323, Seasoned Customer CTR Exemption Act of 2007 HR 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3778 Home Owners Mortgage and Equity Savings Act HR 1550, Regulatory Relief and Fairness Act HR 2895, National Affordable Housing Trust Fund Act of 2007 HR 1967, Financial Privacy Notice Relief Act of 2007 HR 3609, Emergency Home Ownership and Mortgage Equity Protection Act HR 3506 Foreclosure Tax Relief Act S 1222, Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse And Underdevelopment Act S 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S 947, 21st Century Housing Act S 1299, Borrowers Protection Act of 2007 S 2452, Homeownership Preservation and Protection Act of 2007 S 2338, FHA Modernization Act of 2007 S. 2136, Helping Families Save Their Homes in Bankruptcy Act S. 2133, Home Owners Mortgage and Equity Savings Act S 2636 Foreclosure Prevention Act of 2008 S 413, Community Choice in Real Estate Act HR 5244, Credit Cardholder's Bill of Rights Act of 2008 HR 5546, Credit Card Fair Fee Act of 2008 HR 3221, American Housing and Foreclosure Prevention Act of 2008 HR 5841, Bank and Thrift Regulatory Relief Act of 2008 HR 6312, Credit Union, Bank and Thrift Regulatory Relief Act of 2008 S 1145, Patent Reform Act of 2007 S 3086, Credit Card Fair Fee Act of 2008 HR 5767, Payments System Protection Act of 2008 (Internet Gambling) S Credit Card Accountability, Responsibility, and Disclosure Act S 2753 Credit Card Reform Act of 2008 HR 6248, Credit Card Interchange Fees Act of 2008 Credit Card Protections and Disclosures Credit Card/Debit Card Interchange Fees Appraisal Policy for Housing GSEs Deposit Concentration Cap Federal Home Loan Bank System Issues ILC Applications by Commercial Companies Overdraft Protection Programs Predatory Lending Issues Regulation of Industrial Loan Corporation Holding companies Regulatory Relief Relief from Securities Law Requirements for Small Companies Sarbanes-Oxley Act Relief for Community Banks Separation of Banking and Commerce Subprime Lending Housing GSEs HR 6871, Expedited Funds Availability Dollar Limits Adjustment Act of 2008 Homeland Security and Critical Infrastructure Protection Payments Systems Expedited Funds Availability Act Amendments Real Estate Settlement Procedures Act (RESPA) regulations Fair Value Accounting (Mark to Market Accounting) SFAS 157, Fair Value Measurements HR 1424, Emergency Economic Stabilization Act HR 2638, Consolidated Security, Disaster Assistance, and Continuing Appropriations Act, 2009 Flood Insurance Housing Assistance Tax Act of 2008 Deposit Insurance Premiums Bank Examinations Financial Services Regulatory Structure Implementation of Housing and Economic Recovery Act of 2008 (Hope for Homeowners Program) Conservatorship of Fannie Mae/Freddie Mac Bank Capital rules Money market mutual fund Temporary Guaranty Program

Client expense: $920,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1395, Stop Unfair Practices in Credit Cards Act; H.R. 2607, Internet Gambling; Data Security, including HR 1685/S.1260, S.495 and S.239; H.R. 946, Consumer Overdraft Protection Fair Practices Act; H.R. 5546, Credit Card Fair Fee Act; H.R. 5244, Credit Cardholders Bill of Rights; S. 3086, Credit Card Fair Fee Act; H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 6620, Gas Pump Fair Payment Act of 2008; Card practices legislation in general.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Interchange and electronic payments networks. H.R.5546, Credit Card Fair Fee Act of 2008. H.R. 6248, Credit Card Interchange Fees Act of 2008. H.R. 6620, Gas Pump Fair Payment Act of 2008.

Client expense: Not reported · Firm income: $75,000

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE

Interchange and electronic payments networks. H.R.5546, Credit Card Fair Fee Act of 2008. H.R. 6248, Credit Card Interchange Fees Act of 2008. H.R. 6620, Gas Pump Fair Payment Act of 2008.

Client expense: Not reported · Firm income: $75,000

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE

Interchange and electronic payments networks. HR.5546, Credit Card Fair Fee Act of 2008. H.R. 6248, Credit Card Interchange Fees Act of 2008. H.R. 6620, Gas Pump Fair Payment Act of 2008.

Client expense: Not reported · Firm income: $75,000

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE

Interchange and electronic payments networks. H.R.5546, Credit Card Fair Fee Act of 2008. H.R. 6248, Credit Card Interchange Fees Act of 2008. H.R. 6620, Gas Pump Fair Payment Act of 2008.

Client expense: Not reported · Firm income: $75,000

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE

S. 1260, Data Security Act, re: data breach notification; exemption of financial institutions from additional requirements; protection of sensitive data at federal agencies; federal preemption of state law; H.R. 958, Data Accountability and Trust Act, re: FTC security policy and procedures; data breach notification; definition of information broker; consumer access to private databases; S. 1178, Identity Theft Prevention Act, re; protection of sensitive information; data breach notification; credit report security freeze; S. 2012, Notification of Risk to Personal Data Act re: data breach notification; state attorney generals enforcement; HR 3316, Identity Theft Protection Act re: credit report security freeze; S. 1202, Personal Data Protection Act, re: data breach notification; federal preemption of state laws; S. 806, Consumer ID Protection and Security Act, re: credit report security freeze; S. 495, Personal Data Privacy and Security Act, re: definition of data broker; consumer access and correction of data broker information; data privacy and security programs; data breach notification; GSA evaluation of security programs in awarding contracts; HR 946, Consumer Overdraft Protection Act; re: disclosure of overdraft fee to consumers; HR 5244, Credit Card Holders Bill of Rights Act of 2008, re open end credit lending practices; S. 1395, Stop Unfair Practices in Credit Cards Act of 2007, re open end credit lending practices; billing practices and finance charges; H.R. 4008, the Credit and Debit Receipt Clarification Act, All provisions; Comments RE: Fair Credit Reporting Act - Section 312, Concerning Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies; H.R. 6248, Credit Card Interchange Fees Act of 2008, all provisions; H.R. 1424, Emergency Economic Stabilization Act of 2008, all provisions.

Client expense: $620,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Employment Standards Administration, Environmental Protection Agency (EPA), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Immigration & Customs Enforcement (ICE), U.S. International Trade Commission (ITC), U.S. Secret Service, U.S. Trade Representative (USTR), White House Office

H.R. 6248, Credit Card Interchange Fees Act of 2008; H.R. 5546 and S. 3086, the Credit Card Fair Fee Act of 2008; Issues related to targeted advertising.

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

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR)

Issues related to consumer credit; H.R. 5546 and S. 3086, the Credit Card Fair Free Act; Credit Card Interchange Fees Act of 2008 (H.R. 6248); Passage of H.R. 1424, the Emergency Economic Stabilization Act of 2008.

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

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR)

Credit card reform (HR 5244, HR 5546, S 3086, HR 6248); Private Equity

Client expense: $475,204 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE