Keep Our Promise to America's Children and Teachers Act

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending (concerns about H.R. 1214). Support capping all interest rates at 36% APR (support H.R. 1608 / S. 500). Support a foreclosure moratorium (H.R. 527 / S. 241). Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to ensure that homeowners facing foreclosure are not forgotten in the Wall Street bailout. Try to stop abusive credit card practices (support H.R. 627 / S. 414). Support H.R. 200 / H.R. 1106 / S. 61, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Oppose payday lending, working to help improve H.R. 1214. Support efforts to eliminate predatory lending. Support H.R. 1728. Support the establishment of a Consumer Financial Protection Agency (working to improve H.R. 3126). Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Support 36% interest rate cap; support H.R. 1608 / S. 500. Work to eliminate the debt trap caused by payday lenders. Support financial literacy programs. Support H.R. 4173. Oppose exempting auto dealers from newly created CFPA. Oppose exempting college loans from CFPA. Oppose allowing CFPA, and all federal lending laws, to preempt stronger state laws. Support regulations to shut down yield spread premiums to mortgage brokers. Oppose the proposed Adverse Market Delivery Charge (AMDC) as well as the series of Loan Level Price Adjustments (LLPAs) under consideration by Fannie Mae and Freddie Mac. Ensure that rogue auto dealers are not exempted from the authority of the newly created Consumer Financial Protection Bureau, while at the same time ensuring that small, minority owned auto dealers who are fair to consumers are not run out of business. Support the creation of a strong, independent Consumer Financial Protection Bureau in H.R. 4173. Support S. 3245, the Payday Limitation Act of 2010. This legislation takes an aggressive approach to eliminating the worst of the payday debt trap problems. Support final passage of the conference report for H.R. 4173, the Restoring American financial Stability Act. Support S. 3217, the Restoring American Financial Stability Act of 2010. Support H.R. 3421, the The Medical Debt Relief Act of 2009. Support the creation of the Offices of Minority and Women Inclusion Under the Restoring American Financial Stability Act of 2010. Support a ban on the use of credit reports by potential employers. Support H.R. 3149. Support FDIC guidence issued on limiting abusive overdract practices. Support Elizabeth Warren to be the first head of the Consumer Financial Protection Bureau. Support allowing consumers to close a bank account without incurring onerous fees. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Support the President's veto of H. R. 3808, the Interstate Recognition of Notarizations Act of 2010 due to concerns that it would make it easier for large, interstate financial services companies to erroneously foreclose on homes.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

HR 3890: Accountability and Transparency in Rating Agencies Act S. 139: Data Breach Notification Act S 3579: Data Security Act of 2010 S 3155: International Cybercrime Reporting and Cooperation Act HR 3818: Private Fund Investment Advisers Registration Act HR 5548/S 3480: Protecting Cyberspace as a National Asset Act of 2010 HR 4173/S. 3217: Dodd-Frank Wall Street Reform & Consumer Protection Act (Derivatives, CFBP, systemic risk, Thrift regulation, ILC, executive compensation, interchange fees, Volker Rule, bank tax) P.L. 111-517 HR 3126: Consumer Financial Protection Agency Act of 2009 HR 3269: Corporate and Financial Institution Compensation Fairness Act HR 627/S. 235: Credit Card Bill of Rights; PL 111-24 HR 3606/3639/3763: Consumer Financial Protection Agency HR 2221: Data Accountability and Trust Act S. 1006: Excessive Pay Shareholder Approval Act S. 1007: Excessive Pay Capped Deduction Act of 2009 HR 3795: Over the Counter Derivatives Market S. 1074: Shareholder Bill of Rights Acts of 2009 HR 2861: Shareholder Empowerment Act of 2009 HR 5297: Small Business Jobs & Credit Act of 2010 P.L. 111-499

Client expense: $460,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE

Financial regulatory reform issues including proposals to reform credit rating agencies, regulate systemic risk, combine the Office of Thrift Supervision and the Office of the Comptroller of the Currency, subject saving and loan holding companies to Federal Reserve oversight, establish a resolution authority for non-banks, SEC and CFTC regulation and taxation of derivatives, liability issues, proprietary trading, credit scoring, creation of a Consumer Financial Protection Agency, and the creation of a Federal Insurance Office as well as implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. S.664 / H.R.1754 Financial System Stabilization and Reform Act of 2009 S.386 Fraud Enforcement and Recovery Act of 2009 provisions regarding senior designations and a bipartisan financial crisis inquiry commission S.664 / H.R.1754 Financial System Stabilization and Reform Act H.R.627 Truth in Lending Act S.A.1077, Menendez amendment regarding credit to S.A.1058, Dodd amendment H.R.3126 Consumer Financial Protection Agency Act of 2009 clarification of business of insurance reference H.R.3817 The Investor Protection Act of 2009 harmonization of standard of care S.1691 - Comprehensive Derivatives Regulation Act of 2009 derivative end user issues H.R.3135 - Over-the-Counter Derivatives Markets Act of 2009 derivative end user issues H.R.2609 Insurance Information Act of 2009 / Federal Insurance Office Act of 2009 all provisions Restoring American Financial Stability Act of 2009 (discussion draft) all provisions H.R.3996 Financial Stability Improvement Act of 2009 all provisions The Wall Street Transparency & Accountability Act of 2010 (Proposed bill, then inserted into S.3217) S. 3217- Restoring American Financial Stability Act of 2010 all provisions H.R.4173 Dodd-Frank Wall Street Reform and Consumer Protection Act All Provisions / Implementation S.3098 - Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010 (PROP Trading Act) treatment of insurers general accounts Financial Crisis Responsibility Fee (Administration Proposal) revenue provisions

Client expense: $710,000 · Firm income: Not reported

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

S. 414, H.R. 627 - credit card practices; interchange fees; prepaid card fee; and financial regulation restructuring. Financial literacy issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Card Interchange Fees Act of 2009- H.R. 2382 The Credit Card Fair Fee Act of 2009- H.R. 2695, S. 1212 Monitor legislation and federal issues related to PCI Compliance. The Credit and Debit Card Receipt Clarification Act (From 2008, S. 2978) The Credit Cardholder's Bill of Rights- H.R. 627, S. 235 (P.L. 111-24) -Welch, Shuster, Dahlkemper Amendment (to H.R. 627) -Dodd, Shelby Substitute Amendment (to S. 235) -Durbin, Bond Consumers Discount Fee and Transparency Amendment (to S. 235) The Wall Street Reform and Consumer Protection Act- H.R. 4173 (P.L. 111-203) Debit Card Interchange Fees- Proposed Rulemaking

Client expense: $832,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Treasury, Dept of, White House Office

Increase transparency and improve conditions for small business merchants dealing with credit card agencies S. 414, the Credit CARD Act; H.R. 627 & S. 235, Credit Cardholders' Bill of Rights Act; H.R. 3126, Consumer Financial Protection Agency Act; S. 1212 & H.R. 2695, Credit Card Fair Fee Act; H.R. 2382, Credit Card Interchange Fees Act; S. 3217, Restoring American Financial Stability Act

Client expense: $150,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Reserve System, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

Issues regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed Consumer Financial Protection Agency. Dodd-Frank Wall Street Reform and Consumer Protection Act. Start up of Consumer Financial Protection Bureau.

Client expense: Not reported · Firm income: $90,000

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

Issues related to commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed new Consumer Financial Protection Agency. Dodd-Frank Wall Street Reform and Consumer Protection Act. Start-up operations of the Consumer Financial Protection Bureau. NEED TO ADD CFPB TO LIST OF AGENCIES BELOW TO SELECT FROM

Client expense: Not reported · Firm income: $90,000

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

Monitor eminent domain legislation, public lands legislation; H.R.627, S. 235, Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. H.R.1885, Protect private property rights. H.R.4173, Dodd-Frank Wall Street Reform and Consumer Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor Federal Housing Finance Reform, Affordable Housing, Section 8 vouchers, GSA and homeless funding, development , exit tax legislation, Mortgage Reform and Anti-Predatory Lending Act, veterans housing and workforce housing; Residual receipts legislation, Monitor housing legislation (CDBG) for impact on municipalities. , Building American Homeownership, . FHA Modernization, Foreclosure Prevention, Expanding American Home Ownership, National Affordable Housing Trust Fund , and National Affordable Housing Trust Fund ; monitor for impact on cities. H.R.627, Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009 S.235, Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. H.R.4868, Housing Preservation and Tenant Protection Act H.R.4173, Dodd-Frank Wall Street Reform and Consumer Protection Act

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

Government targets: Federal Transit Administration (FTA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), SENATE

H.R. 1424, PL 110-343, Emergency Economic Stabilization Act of 2008, an Act to provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and other purposes H.R. 384, Tarp Reform and Accountability Act of 2009 - Amends the Emergency Economic Stabilization Act of 2008 (EESA) to direct the Secretary of the Treasury to require specified depository institutions under the Troubled Asset Relief Program (TARP) to report periodically on their use of TARP Assistance. S.414, the Credit Card Accountability, Responsibility and Disclosure Act (the Credit Card Act) to regulate credit card policies and to protect consumers from confusing, misleading and predatory practices by credit card companies. H.R. 5244, Credit Card Holders Bill of Rights, to provide crucial protections against unfair credit card practices and new bill introduced 1/22/09, H.R.627 to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes. H.R. 3126, legislation to create consumer financial protection agency under the Consumer Financial Protection Agency Act of 2009. H.R. 4173, Wall Street Reform and Consumer Protection Act, issues related to derivatives reform, pension, foreign exchange, clearing and margin, and conflict minerals.

Client expense: $1,621,430 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of Science & Technology Policy (OSTP), Patent & Trademark Office (PTO), Pipeline & Hazardous Materials Safety Administration, SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

H.R. 627, The Credit Cardholders Bill of Rights Act, as it relates to the disclosure of hidden fees on consumers and merchants established by big credit card companies. S. 414, the Credit Card Accountability Responsibility and Disclosure Act, as it relates to the disclosure of hidden fees on consumers and merchants established by big credit card companies, H.R. 2382, the Credit Card Interchange Fees Act, as it relates to hidden fees on consumers & merchants established by big credit card companies. H.R. 2695 / S. 1212, the Credit Card Fair Fee Act, to provide for negotiation between merchants at large credit card companies to assure that the fees exerted by the credit card companies are the result of negotiations, rather than price fixing. H.R. 4173, Wall Street Reform and Consumer Protection Act, and S. 3217, Restoring American Financial Stability Act with respect to hidden fees on consumers & merchants established by big credit card companies.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 157/ S. 160 - District of Columbia Voting Rights Act; S Con Res 13-Budget Resolution. CJS Appropriations Bill, HR 627; issues related to legal decisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Card Interchange Fees Act of 2009- H.R. 2382 The Credit Card Fair Fee Act of 2009- H.R. 2695, S. 1212 Monitor legislation and federal issues related to PCI Compliance. The Credit and Debit Card Receipt Clarification Act (From 2008, S. 2978) The Credit Cardholder's Bill of Rights- H.R. 627, S. 235 (P.L. 111-24) -Welch, Shuster, Dahlkemper Amendment (to H.R. 627) -Dodd, Shelby Substitute Amendment (to S. 235) -Durbin, Bond Consumers Discount Fee and Transparency Amendment (to S. 235) The Wall Street Reform and Consumer Protection Act- H.R. 4173 (P.L. 111-203)

Client expense: $634,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Treasury, Dept of, White House Office

Financial regulatory reform issues including proposals to reform credit rating agencies, regulate systemic risk, combine the Office of Thrift Supervision and the Office of the Comptroller of the Currency, subject saving and loan holding companies to Federal Reserve oversight, establish a resolution authority for non-banks, SEC and CFTC regulation and taxation of derivatives, (continued next page) liability issues, proprietary trading, credit scoring, creation of a Consumer Financial Protection Agency, and the creation of a Federal Insurance Office. S.664 / H.R.1754 Financial System Stabilization and Reform Act of 2009 - all provisions S.386 Fraud Enforcement and Recovery Act of 2009 provisions regarding senior designations and a bipartisan financial crisis inquiry commission S.664 / H.R.1754 Financial System Stabilization and Reform Act - all provisions H.R.627 Truth in Lending Act S.A.1077, Menendez amendment regarding credit to S.A.1058, Dodd amendment H.R.3126 Consumer Financial Protection Agency Act of 2009 clarification of business of insurance H.R.3817 The Investor Protection Act of 2009 harmonization of standard of care S.1691 - Comprehensive Derivatives Regulation Act of 2009 derivative end user issues H.R.3135 - Over-the-Counter Derivatives Markets Act of 2009 derivative end user issues H.R.2609 Insurance Information Act of 2009 / Federal Insurance Office Act of 2009 all provisions Restoring American Financial Stability Act of 2009 (discussion draft) all provisions H.R.3996 Financial Stability Improvement Act of 2009 all provisions The Wall Street Transparency & Accountability Act of 2010 (Proposed bill, then inserted into S.3217) S. 3217- Restoring American Financial Stability Act of 2010 all provisions H.R.4173 Dodd-Frank Wall Street Reform and Consumer Protection Act All Provisions / Implementation S.3098 - Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010 (PROP Trading Act) treatment of insurers general accounts Financial Crisis Responsibility Fee (Administration Proposal) revenue provisions

Client expense: $440,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 3890: Accountability and Transparency in Rating Agencies Act S. 139: Data Breach Notification Act S 3579: Data Security Act of 2010 S 3155: International Cybercrime Reporting and Cooperation Act HR 3818: Private Fund Investment Advisers Registration Act HR 5548/S 3480: Protecting Cyberspace as a National Asset Act of 2010 HR 4173/S. 3217: Dodd-Frank Wall Street Reform & Consumer Protection Act (Derivatives, CFBP, systemic risk, Thrift regulation, ILC, executive compensation, interchange fees, Volker Rule, bank tax) P.L. 111-517 HR 3126: Consumer Financial Protection Agency Act of 2009 HR 3269: Corporate and Financial Institution Compensation Fairness Act HR 627/S. 235: Credit Card Bill of Rights; PL 111-24 HR 3606/3639/3763: Consumer Financial Protection Agency HR 2221: Data Accountability and Trust Act S. 1006: Excessive Pay Shareholder Approval Act S. 1007: Excessive Pay Capped Deduction Act of 2009 HR 3795: Over the Counter Derivatives Market S. 1074: Shareholder Bill of Rights Acts of 2009 HR 2861: Shareholder Empowerment Act of 2009 HR 5297: Small Business Jobs & Credit Act of 2010 P.L. 111-499

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

Government targets: Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE

Monitor Federal Housing Finance Reform, Affordable Housing, Section 8 vouchers, GSA and homeless funding, development , exit tax legislation, Mortgage Reform and Anti-Predatory Lending Act, veterans housing and workforce housing; Residual receipts legislation, Monitor housing legislation (CDBG) for impact on municipalities. , Building American Homeownership, . FHA Modernization, Foreclosure Prevention, Expanding American Home Ownership, National Affordable Housing Trust Fund , and National Affordable Housing Trust Fund ; monitor for impact on cities. H.R.627, Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009 S.235, Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. H.R.4868, Housing Preservation and Tenant Protection Act

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

Government targets: Federal Transit Administration (FTA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), SENATE

H.R. 1424, PL 110-343, Emergency Economic Stabilization Act of 2008, an Act to provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and other purposes H.R. 384, Tarp Reform and Accountability Act of 2009 - Amends the Emergency Economic Stabilization Act of 2008 (EESA) to direct the Secretary of the Treasury to require specified depository institutions under the Troubled Asset Relief Program (TARP) to report periodically on their use of TARP Assistance. S.414, the Credit Card Accountability, Responsibility and Disclosure Act (the Credit Card Act) to regulate credit card policies and to protect consumers from confusing, misleading and predatory practices by credit card companies. H.R. 5244, Credit Card Holders Bill of Rights, to provide crucial protections against unfair credit card practices and new bill introduced 1/22/09, H.R.627 to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes. H.R. 3126, legislation to create consumer financial protection agency under the Consumer Financial Protection Agency Act of 2009. H.R. 4173, Wall Street Reform and Consumer Protection Act, issues related to derivatives reform, pension, foreign exchange, clearing and margin, and conflict minerals.

Client expense: $1,621,430 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of Science & Technology Policy (OSTP), Patent & Trademark Office (PTO), Pipeline & Hazardous Materials Safety Administration, SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Monitor eminent domain legislation, public lands legislation; H.R.627, S. 235, Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. H.R.1885, Protect private property rights

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 414, H.R. 627 - credit card practices; interchange fees; prepaid card fee; and financial regulation restructuring. Financial literacy issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2695 and S. 1212, the Credit Card Fair Free Act of 2009; issues related to H.R. 627, Credit CARD Act; Issues regarding federal government assistance to financial institutions to stabilize the credit markets; issues related to Consumer Financial Protection Agency Act; issues related to deferred interest "no interest, no payment' promotions; Restoring American Financial Stability Act of 2010; HR 4173, Wall Street Reform & COnsumer Financial Protection Act; HR 5502, to deal credit card act effective date; Federal Reserve Implementation of Dodd-Frank interchange limitations.

Client expense: $670,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), White House Office

Issues related to interchange fees; implementation of the CARD Act (H.R. 627 and S. 414).

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending (concerns about H.R. 1214). Support capping all interest rates at 36% APR (support H.R. 1608 / S. 500). Support a foreclosure moratorium (H.R. 527 / S. 241). Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout. Try to stop abusive credit card practices (support H.R. 627 / S. 414). Support H.R. 200 / H.R. 1106 / S. 61, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Support efforts to eliminate predatory loans; support 1728. Oppose payday loans; working to improve H.R. 1214. Support 36% interest rate cap; support H.R. 1608 / S. 500. Support legislation to toughen financial fraud investigations and sentences; support S. 386. Support legislation to make it easier for homeowners to modify their mortgages through federal programs; support S. 896. Support the creation of a Consumer Financial Protection Agency (CFPA) with strong civil rights mandates. Support financial literacy programs. Support an increase the demographic diversity of the financial services industry. Support H.R. 4173. Oppose exempting auto dealers from newly created CFPA. Oppose exempting college loans from CFPA. Oppose allowing CFPA, and all federal lending laws, to preempt stronger state laws. Support regulations to shut down yield spread premiums to mortgage brokers. Support financial counseling. oppose exempting Rent-to-Own operations from CFPA oversight. Support for the Benefit Card Fairness Act, H.R. 4552. Support creation of a strong CFPA, without exempting car dealers or student lenders, rent-to-own stores or payday lenders from its purview. Oppose federal preemption of state consumer financial protection laws. Ensure that rogue auto dealers are not exempted from the authority of the newly created Consumer Financial Protection Bureau, while at the same time ensuring that small, minority owned auto dealers who are fair to consumers are not run out of business. Support the creation of a strong, independent Consumer Financial Protection Bureau in H.R. 4173. Support S. 3245, the Payday Limitation Act of 2010. This legislation takes an aggressive approach to eliminating the worst of the payday debt trap problems. Support final passage of the conference report for H.R. 4173, the Restoring American Financial Stability Act. Support S. 3217, the Restoring American Financial Stability Act of 2010. Support H.R. 3149, the Equal Employment for All Act, which would outlaw the use of credit scores by potential employers when making hiring decisions. Support Creation of the Offices of Minority and Women Inclusion Under the Restoring American Financial Stability Act of 2010. Support FDIC guidence issued on limiting abusive overdract practices. Support Elizabeth Warren to be the first head of the Consumer Financial Protection Bureau. Support allowing consumers to close a bank account without incurring onerous fees.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending (concerns about H.R. 1214). Support capping all interest rates at 36% APR (support H.R. 1608 / S. 500). Support a foreclosure moratorium (H.R. 527 / S. 241). Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to ensure that homeowners facing foreclosure are not forgotten in the Wall Street bailout. Try to stop abusive credit card practices (support H.R. 627 / S. 414). Support H.R. 200 / H.R. 1106 / S. 61, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Oppose payday lending, working to help improve H.R. 1214. Support efforts to eliminate predatory lending. Support H.R. 1728. Support the establishment of a Consumer Financial Protection Agency (working to improve H.R. 3126). Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Support 36% interest rate cap; support H.R. 1608 / S. 500. Work to eliminate the debt trap caused by payday lenders. Support financial literacy programs. Support H.R. 4173. Oppose exempting auto dealers from newly created CFPA. Oppose exempting college loans from CFPA. Oppose allowing CFPA, and all federal lending laws, to preempt stronger state laws. Support regulations to shut down yield spread premiums to mortgage brokers. Oppose the proposed Adverse Market Delivery Charge (AMDC) as well as the series of Loan Level Price Adjustments (LLPAs) under consideration by Fannie Mae and Freddie Mac. Ensure that rogue auto dealers are not exempted from the authority of the newly created Consumer Financial Protection Bureau, while at the same time ensuring that small, minority owned auto dealers who are fair to consumers are not run out of business. Support the creation of a strong, independent Consumer Financial Protection Bureau in H.R. 4173. Support S. 3245, the Payday Limitation Act of 2010. This legislation takes an aggressive approach to eliminating the worst of the payday debt trap problems. Support final passage of the conference report for H.R. 4173, the Restoring American financial Stability Act. Support S. 3217, the Restoring American Financial Stability Act of 2010. Support H.R. 3421, the The Medical Debt Relief Act of 2009. Support the creation of the Offices of Minority and Women Inclusion Under the Restoring American Financial Stability Act of 2010. Support a ban on the use of credit reports by potential employers. Support H.R. 3149. Support FDIC guidence issued on limiting abusive overdract practices. Support Elizabeth Warren to be the first head of the Consumer Financial Protection Bureau. Support allowing consumers to close a bank account without incurring onerous fees.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

H.R. 627, The Credit Cardholders Bill of Rights Act, as it relates to the disclosure of hidden fees on consumers and merchants established by big credit card companies. S. 414, the Credit Card Accountability Responsibility and Disclosure Act, as it relates to the disclosure of hidden fees on consumers and merchants established by big credit card companies, H.R. 2382, the Credit Card Interchange Fees Act, as it relates to hidden fees on consumers & merchants established by big credit card companies. H.R. 2695 / S. 1212, the Credit Card Fair Fee Act, to provide for negotiation between merchants at large credit card companies to assure that the fees exerted by the credit card companies are the result of negotiations, rather than price fixing. H.R. 4173, Wall Street Reform and Consumer Protection Act, and S. 3217, Restoring American Financial Stability Act with respect to hidden fees on consumers & merchants established by big credit card companies.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Increase transparency and improve conditions for small business merchants dealing with credit card agencies S. 414, the Credit CARD Act; H.R. 627 & S. 235, Credit Cardholders' Bill of Rights Act; H.R. 3126, Consumer Financial Protection Agency Act; S. 1212 & H.R. 2695, Credit Card Fair Fee Act; H.R. 2382, Credit Card Interchange Fees Act; S. 3217, Restoring American Financial Stability Act

Client expense: $150,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

Issues regarding commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed Consumer Financial Protection Agency. Dodd-Frank Wall Street Reform and Consumer Protection Act

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to commercial credit providers, including: S. 585, S. 582, S. 566, S. 500, S. 414, S. 399, S. 392, S. 257, S. 255, S. 235, S. 165, S. 131, H.R. 1882, H.R. 1846, H.R. 1705, H.R. 1640, H.R. 1637, H.R. 1608, H.R. 1479, H.R. 1456, H.R. 1365, H.R. 1325, H.R. 1214, H.R. 627. Issues related to proposed new Consumer Financial Protection Agency. Dodd-Frank Wall Street Reform and Consumer Protection Act

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit card interchange fees; H.R. 627: Issues related to the Credit Holders' Bill of Rights; Issues related to financial services regulatory reform, including H.R. 3126.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to interchange fees; implementation of the CARD Act (H.R. 627 and S. 414)

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 157/ S. 160 - District of Columbia Voting Rights Act; S Con Res 13-Budget Resolution. CJS Appropriations Bill, HR 627; issues related to legal decisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Card Interchange Fees Act of 2009- H.R. 2382 The Credit Card Fair Fee Act of 2009- H.R. 2695, S. 1212 Monitor legislation and federal issues related to PCI Compliance. The Credit and Debit Card Receipt Clarification Act (From 2008, S. 2978) The Credit Cardholder's Bill of Rights- H.R. 627, S. 235 -Welch, Shuster, Dahlkemper Amendment (to H.R. 627) -Dodd, Shelby Substitute Amendment (to S. 235) -Durbin, Bond Consumers Discount Fee and Transparency Amendment (to S. 235) The Wall Street Reform and Consumer Protection Act- H.R. 4173

Client expense: $826,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, State, Dept of (DOS), Treasury, Dept of, White House Office

H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2695 and S. 1212, the Credit Card Fair Free Act of 2009; issues related to H.R. 627, Credit CARD Act; Issues regarding federal government assistance to financial institutions to stabilize the credit markets; issues related to Consumer Financial Protection Agency Act; issues related to deferred interest "no interest, no payment' promotions; Restoring American Financial Stability Act of 2010; HR 4173, Wall Street Reform & COnsumer Financial Protection Act; HR 5502, to deal credit card act effective date; issues related to conflict minerals in HR 4173 conference report

Client expense: $684,940 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), 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. Postal Service (USPS), U.S. Secret Service, U.S. Trade Representative (USTR), White House Office

Monitor Federal Housing Finance Reform, Affordable Housing, Section 8 vouchers, GSA and homeless funding, development , exit tax legislation, Mortgage Reform and Anti-Predatory Lending Act, veterans housing and workforce housing; Residual receipts legislation, Monitor housing legislation (CDBG) for impact on municipalities. , Building American Homeownership, . FHA Modernization, Foreclosure Prevention, Expanding American Home Ownership, National Affordable Housing Trust Fund , and National Affordable Housing Trust Fund ; monitor for impact on cities. H.R.627, Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009 S.235, Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. H.R.4868, Housing Preservation and Tenant Protection Act

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

Government targets: Federal Transit Administration (FTA), HOUSE OF REPRESENTATIVES, SENATE

Monitor eminent domain legislation, public lands legislation; H.R.627, S. 235, Amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. H.R.1885, Protect private property rights

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial regulatory reform issues and proposals including proposals to reform credit rating agencies, regulate systemic risk, combine the Office of Thrift Supervision and the Office of the Comptroller of the Currency, subject saving and loan holding companies to Federal Reserve oversight, establish a resolution authority for non-banks, SEC and CFTC regulation and taxation of derivatives, liability issues, proprietary trading, credit scoring, creation of a Consumer Financial Protection Agency, and the the creation of a Federal Insurance Office. S.664 / H.R.1754 Financial System Stabilization and Reform Act of 2009 S.386 Fraud Enforcement and Recovery Act of 2009 provisions regarding senior designations and a bipartisan financial crisis inquiry commission S.664 / H.R.1754 Financial System Stabilization and Reform Act H.R.627 Truth in Lending Act S.A.1077, Menendez amendment regarding credit to S.A.1058, Dodd amendment H.R.3126 Consumer Financial Protection Agency Act of 2009 clarification of business of insurance reference H.R.3817 The Investor Protection Act of 2009 harmonization of standard of care S.1691 - Comprehensive Derivatives Regulation Act of 2009 derivative end user issues H.R.3135 - Over-the-Counter Derivatives Markets Act of 2009 derivative end user issues H.R.2609 Insurance Information Act of 2009 / Federal Insurance Office Act of 2009 all provisions Restoring American Financial Stability Act of 2009 (discussion draft) all provisions H.R.3996 Financial Stability Improvement Act of 2009 all provisions The Wall Street Transparency & Accountability Act of 2010 (Proposed bill, then inserted into S.3217) S. 3217- Restoring American Financial Stability Act of 2010 all provisions H.R.4173 Dodd-Frank Wall Street Reform and Consumer Protection Act All Provisions S.3098 - Protect Our Recovery Through Oversight of Proprietary Trading Act of 2010 (PROP Trading Act) treatment of insurers general accounts Financial Crisis Responsibility Fee (Administration Proposal) revenue provisions

Client expense: $490,000 · Firm income: Not reported

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

HR 2989/S. 401: 401(k) Fair Disclosure & Pension Security Act HR 3890: Accountability and Transparency in Rating Agencies Act HR 3126: Consumer Financial Protection Agency Act of 2009 HR 3269: Corporate and Financial Institution Compensation Fairness Act HR 627/S. 235: Credit Card Bill of Rights; PL 111-24 HR 3606/3639/3763: Consumer Financial Protection Agency HR 2221: Data Accountability and Trust Act S. 139: Data Breach Notification Act S. 1006: Excessive Pay Shareholder Approval Act S. 1007: Excessive Pay Capped Deduction Act of 2009 HR 3959/S. 1927: Credit Card Freeze Act HR 3933: Foreigh Account Tax Compliance Act of 2009 HR 3795: Over the Counter Derivatives Market HR 3818: Private Fund Investment Advisers Registration Act HR 4173/S. 3217: Restoring American Financial Stability Act of 2010 S. 1074: Shareholder Bill of Rights Acts of 2009 HR 2861: Shareholder Empowerment Act of 2009 S 773: Cybersecurity Act of 2009 S 3579: Data Security Act of 2010 S 3155: International Cybercrime Reporting and Cooperation Act HR 5548/S 3480: Protecting Cyberspace as a National Asset Act of 2010

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

Government targets: Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending (concerns about H.R. 1214). Support capping all interest rates at 36% APR (support H.R. 1608 / S. 500). Support a foreclosure moratorium (H.R. 527 / S. 241). Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to ensure that homeowners facing foreclosure are not forgotten in the Wall Street bailout. Try to stop abusive credit card practices (support H.R. 627 / S. 414). Support H.R. 200 / H.R. 1106 / S. 61, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Oppose payday lending, working to help improve H.R. 1214. Support efforts to eliminate predatory lending. Support H.R. 1728. Support the establishment of a Consumer Financial Protection Agency (working to improve H.R. 3126). Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Support 36% interest rate cap; support H.R. 1608 / S. 500. Work to eliminate the debt trap caused by payday lenders. Support financial literacy programs. Support H.R. 4173. Oppose exempting auto dealers from newly created CFPA. Oppose exempting college loans from CFPA. Oppose allowing CFPA, and all federal lending laws, to preempt stronger state laws. Support regulations to shut down yield spread premiums to mortgage brokers. Oppose the proposed Adverse Market Delivery Charge (AMDC) as well as the series of Loan Level Price Adjustments (LLPAs) under consideration by Fannie Mae and Freddie Mac. Ensure that rogue auto dealers are not exempted from the authority of the newly created Consumer Financial Protection Bureau, while at the same time ensuring that small, minority owned auto dealers who are fair to consumers are not run out of business. Support the creation of a strong, independent Consumer Financial Protection Bureau in H.R. 4173. Support S. 3245, the Payday Limitation Act of 2010. This legislation takes an aggressive approach to eliminating the worst of the payday debt trap problems. Support final passage of the conference report for H.R. 4173, the Restoring American financial Stability Act. Support S. 3217, the Restoring American Financial Stability Act of 2010. Support H.R. 3421, the The Medical Debt Relief Act of 2009. Support the creation of the Offices of Minority and Women Inclusion Under the Restoring American Financial Stability Act of 2010

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending (concerns about H.R. 1214). Support capping all interest rates at 36% APR (support H.R. 1608 / S. 500). Support a foreclosure moratorium (H.R. 527 / S. 241). Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to ensure that homeowner facing foreclosure are not forgotten in the Wall Street bailout. Try to stop abusive credit card practices (support H.R. 627 / S. 414). Support H.R. 200 / H.R. 1106 / S. 61, which allows bankruptcy judges to require loan modifications on primary residence mortgages. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Support efforts to eliminate predatory loans; support 1728. Oppose payday loans; working to improve H.R. 1214. Support 36% interest rate cap; support H.R. 1608 / S. 500. Support legislation to toughen financial fraud investigations and sentences; support S. 386. Support legislation to make it easier for homeowners to modify their mortgages through federal programs; support S. 896. Support the creation of a Consumer Financial Protection Agency (CFPA) with strong civil rights mandates. Support financial literacy programs. Support an increase the demographic diversity of the financial services industry. Support H.R. 4173. Oppose exempting auto dealers from newly created CFPA. Oppose exempting college loans from CFPA. Oppose allowing CFPA, and all federal lending laws, to preempt stronger state laws. Support regulations to shut down yield spread premiums to mortgage brokers. Support financial counseling. oppose exempting Rent-to-Own operations from CFPA oversight. Support for the Benefit Card Fairness Act, H.R. 4552. Support creation of a strong CFPA, without exempting car dealers or student lenders, rent-to-own stores or payday lenders from its purview. Oppose federal preemption of state consumer financial protection laws. Ensure that rogue auto dealers are not exempted from the authority of the newly created Consumer Financial Protection Bureau, while at the same time ensuring that small, minority owned auto dealers who are fair to consumers are not run out of business. Support the creation of a strong, independent Consumer Financial Protection Bureau in H.R. 4173. Support S. 3245, the Payday Limitation Act of 2010. This legislation takes an aggressive approach to eliminating the worst of the payday debt trap problems. Support final passage of the conference report for H.R. 4173, the Restoring American Financial Stability Act. Support S. 3217, the Restoring American Financial Stability Act of 2010. Support H.R. 3149, the Equal Employment for All Act, which would outlaw the use of credit scores by potential employers when making hiring decisions. Support Creation of the Offices of Minority and Women Inclusion Under the Restoring American Financial Stability Act of 2010.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Bills addressing interchange fees paid by retailers and customers including - S.1212, H.R. 2695 and H.R. 2382, S.414, S.2235, H.R. 627 and H.R.4173 Wall Street Reform; provisions in H.R. 4173 related to FTC Authority and matters related to corporate governance; H.R.5502, to amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

H.R. 627, The Credit Cardholders Bill of Rights Act, as it relates to the disclosure of hidden fees on consumers and merchants established by big credit card companies. S. 414, the Credit Card Accountability Responsibility and Disclosure Act, as it relates to the disclosure of hidden fees on consumers and merchants established by big credit card companies, H.R. 2382, the Credit Card Interchange Fees Act, as it relates to hidden fees on consumers & merchants established by big credit card companies. H.R. 2695 / S. 1212, the Credit Card Fair Fee Act, to provide for negotiation between merchants at large credit card companies to assure that the fees exerted by the credit card companies are the result of negotiations, rather than price fixing. H.R. 4173, Wall Street Reform and Consumer Protection Act, and S. 3217, Restoring American Financial Stability Act with respect to hidden fees on consumers & merchants established by big credit card companies.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3380, Promoting Lending to America's Small Businesses Act, all provisions; S. 2919, Small Business Lending Enhancement Act, all provisions; H.R. 3126, Consumer Financial Protection Agency Act, all provisions; H.R. 3996, Financial Stability Improvement Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S. 3217, Wall Street Reform Bill; H.R. 2695, H.R. 2382, Credit Card Interchange Fee Act, all provisions; H.R. 2695/S. 1212, Credit Card Fair Fee Act, all provisions; H.R. 627/S. 414, Credit Card Disclosure, Accountability and Transparency Act, all provisions; H.R. 3606, Credit Card Technical Corrections Act; H.R. 5297, Small Business Lending Fund Act; Issues related to Financial Services Regulatory Relief; Issues related to corporate credit unions; Issues related to premium assessments by the National Credit Union Share Insurance Fund; Issues related to alternative capital for credit unions.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

HR 1664 Grayson Himes Pay for Performance Act, regarding issues on executive compensation; General issues regarding Gramm Leach Bliley Repeal; HR 2896 Equal Treatment of Covered Bonds Act, regarding issues of treatment on covered bonds; HR 2897 Bank Accountability and Risk Assessment Act / HR 786 To make permanent the temporary increase in deposit insurance coverage / HR 1106 Helping Families Save Their Homes Act, regarding FDIC & deposit insurance; HR 627 Credit Cardholders' Bill of Rights Act, regarding legislative and regulatory prohibition of credit card practices implementation timeframes; HR 977 Derivatives Markets Transparency & Accountability Act / S 272 Derivatives Trading Integrity Act, regarding Credit Default Swaps; HR 2454 American Clean Energy and Security Act / S 961 Authorizing the Regulation of Swaps Act / S 1691 Comprehensive Derivatives Regulation Act / Administration Proposal, regarding over-the-counter derivatives; S 3098 PROP Trading Acting, regarding Volcker Rule on proprietary trading; HR 5387 / S 3264 Debt Settlement Consumer Protection Act, regarding issues of examination of debt settlement practices; HR 5548 / S 3480 Protecting CyberSpace as a National Asset Act, regarding general issues on National Cyber Security.

Client expense: $1,090,000 · Firm income: Not reported

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

H.R.1424, PL110-343, Emergency Economic Stabilization Act of 2008, an Act to provide authority for the Federal Government to purchase & insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes. H.R.384, Tarp Reform and Accountability Act of 2009 - Amends the Emergency Economic Stabilization Act of 2008 (EESA) to direct the Secretary of the Treasury to require specified depository institutions under the Troubled Asset Relief Program (TARP) to report periodically on their use of TARP assistance. S.414, the Credit Card Accountability, Responsibility and Disclosure Act (the Credit Card Act) to regulate credit card policies and to protect consumers from confusing, misleading and predatory practices by credit card companies. H.R.5244, Credit Card Holders Bill of Rights, to provide crucial protections against unfair credit card practices and new bill introduced 1/22/09, H.R.627 to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes. H.R.3126, legislation to create a consumer financial protection agency under the Consumer Financial Protection Agency Act of 2009. H.R.4173, Wall Street Reform and Consumer Protection Act, issues related to derivatives reform, pension, foreign exchange, clearing and margin, and conflict minerals.

Client expense: $1,621,430 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Intl Trade Administration (ITA), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of Science & Technology Policy (OSTP), Patent & Trademark Office (PTO), Pipeline & Hazardous Materials Safety Administration, SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

S. 414, H.R. 627 - credit card practices; interchange fees; prepaid card fee; and financial regulation restructuring. Financial literacy issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE