Consumer Overdraft Protection Fair Practices Act

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424). Regulation: Community Reinvestment Act regulations; FDIC ILC Applications; OTS gift card guidance; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Payday Lending Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FTC Privacy Rules; OTS Unfair & Deceptive Rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, FBI Subpoenas Addendum, Financial Institution Regulatory Restructuring, SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules; Guidance on HELOC reductions; Best Practices for Residential Covered Bonds; FRB Reg. S (privacy); HUD RESPA Regulations; Money Market Fund Guaranties; Fannie Mae/Freddie Mac Conservatorship; SEC Short-Selling Rules; FASB Fair Value Accounting Regs; Auction-Rate Securities Rules; Timing of FASB/SEC Rules; FDIC Deposit Insurance Coverage Regulations. #17. (continued from previous page) Public Company Accounting Oversight Board Office of Federal Housing Enterprise Oversight

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

Government targets: Defense, Dept of (DOD), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, 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

S 2663, CPSC Reform Act, issues related to CPSC funding. HR 4040, Consumer Product Safety Modernization Act. S 2045, CPSC Reform Act of 2007, issues related to CPSC funding. HR 3610, Food and Drug Import Safety Act of 2007. HR 5244, Credit Cardholders' Bill of Rights Act of 2008. HR 946, Consumer Overdraft Protection Fair Practices Act. S 2753, Credit Card Reform Act of 2008. HR 882, Access to Emergency Medical Services Act of 2007. HR 1174, Healthy Hospitals Act of 2007. HR 4214, Community and Healthcare-Associated Infections Reduction Act of 2007. MRSA legislation. Issues related to Medicare Part D reform. Issues related to product safety, food safety, and toy safety. Issues related to credit card reform. Issues related to the racial disparity study. Issues related to the quality of health technology. Issues related to the cloned food ruling. Issues related to salmon labeling/codex fish labeling. Issues related to the whistleblower protection product recall effectiveness. Issues related to garage door operators. Issues related to crib saftey. Issues related to kids and cars. Issues related to drug import safety. Issues related to the DTV transition. Issues related to lending reform. Issues related to security freeze. Issues related to overdraft loans. Issues related to medicare low income assistance. Issues related to emergency room reform. Issues related to cell phone reform auto safety.

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

Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

HR 5244, Credit Cardholders' Bill of Rights Act of 2008. S 2452, Home Ownership Preservation and Protection Act of 2007. S 2753, Credit Card Reform Act of 2008. HR 946, Consumer Overdraft Protection Fair Practices Act. Issues related to banking and financial privacy. Issues related to credit card reforms. Issues related to data privacy. Issues related to ID theft. Issues related to the credit card industry practices. Issues related to predatory lending. Issues related to security freeze. Issues related to overdraft loans. Issues related to lending reform. Issues related to student financial aid.

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

Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

HR 5244, Credit Cardholders' Bill of Rights Act of 2008. S 2452, Home Ownership Preservation and Protection Act of 2007. HR 946, Consumer Overdraft Protection Fair Practices Act. S 2753, Credit Card Reform Act of 2008. Issues related to banking and financial privacy. Issues related to payday loans. Issues related to credit card reform. Issues related to security freeze. Issues related to overdraft loans. Issues related to student financial aid.

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

Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), 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. Regulatory issuers in connection with pre-paid cards.

Client expense: $860,000 · 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), Treasury, Dept of, U.S. Trade Representative (USTR)

HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparency and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act HR 6076: Home Retention and Economic Stabilization Act of 2008 HR 6254: Temporary FHA Direct Endorsement Lender Participation Act of 2008 HR 1424: Emergency Economic Stabilization Act of 2008 HConRes 391: Recognizing the disparities that are associated with predatory lending abuses in minority communities and expressing the sense of the Congress that as new abuses continue to emerge, such laws should ensure that all those responsible for representing and protecting families have the authority to act to address these new problems HR 6312: Credit Union, Bank, and Thrift Regulatory Relief Act of 2008 S.3738: Home Retention and Economic Stabilization Act of 2008

Client expense: $300,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

S 1395 "Stop Unfair Credit Card Practices" and HR 2146 "Universal Default Prohibition Act" - address concerns and educate Members and staff on credit card pricing and marketing practices; HR 5546 "Credit Card Fair Fee Act" - educate Members and staff on the role of interchange in the electronic payments network; HR 3915 "Mortgage Reform and Anti-Predatory Lending Act" and HR 2452 "Home Ownership Preservation and Protection Act" - protect homebuyers from predatory lending practices and support legislation providing for federal preemption of state laws; HR 1066 "Depository Institution Community Development Investments Enhancement Act" and S 2487 "Public Welfare Investments" - relate to the Community Reinvestment Act; HR 948 "Social Security Number Protection Act" and HR 3046 "Social Security Number Privacy and Identity Theft Protection Act" - legislation to restrict the commercial use of Social Security numbers; S 473 "Combatting Money Laundering and Terrorist Financing Act" - improve the prohibitions on money laundering, and for other purposes; HR 946 "Conumer Overdraft Protection Fair Practices Act" - educate Members and staff on legislation to increase regulation of overdraft protection programs; Educate administration and Members on industry response to crisis in mortgage lending including loan modification; Discuss mortgage and housing rescue proposal to allow FHA to guarantee "underwater" mortgages that have been discounted by the original lender.

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

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Federal Highway Administration (FHA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

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

Higher Education Amendments of 2007 (S 1642) Credit Cardholders' Bill of Rights Act of 2008 (HR 5244) Consumer Overdraft Protection Fair Practices Act (HR 946) Ensuring Continued Access to Student Loans Act (HR 6889) Emergency Economic Stabilization Act of 2008 (HR 3997) Troubled Assets Relief Program Credit Card Fair Fee Act of 2008 (HR 5546) Heroes Earnings Assistance and Relief Tax Act (HR 3997) Higher Education Amendments of 2007 (S 1642) Credit Cardholders' Bill of Rights (HR 5244) Consumer Overdraft Protection Fair Practices Act (HR 946) Ensuring Continued Access to Student Loans Act (HR 6889)

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

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

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

Credit Card: SB1395, HR1461, HR946, HR2146, HR5546 (Interchange), HR5244 (Maloney) Housing Stimulus Package HR3221 (GSE/FHA Reform) Mortgage Bankruptcy: SB2136, SB2133 Emergency Economic Stabilization Act HR 1424

Client expense: $160,000 · 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 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

Credit card, interchanges fees and practices S. 1395, the Stop Unfair Practices in Credit Cards Act of 2007 GSE Reform H.R. 1427, Federal Housing Finance Reform Act of 2007 Govt Purchase Card, S.680, Accountability in Government Contracting Act of 2007 H.R. 946, Consumer Overdraft Protection Fair Practices Act H.R. 5244, The Credit Cardholders Bill of Rights H.R.5546, Credit Card Fair Fee Act of 2008 H.R. 323 the Seasoned Customer Exemption Act S.Credit Card Fair Fee Act H.R 5767, Payment System Protection Act of 2008 S. 3252, Credit Card Accountability Responsibility and Disclosure Act of 2008 S. 1100, Federal Housing Enterprise Regulatory Reform Act of 2007 S. 1561, with respect to exceptions to discharge in bankruptcy for certain qualified educational loans S. 1642, the Higher Education Amendments of 2007 H.R. 5280, Stop Unfair Practices in Credit Cards Act of 2008 H.R. 7334, TARP Accountability Act of 2008 S. 3683, A bill to amend the Emergency Economic Stablization Act (EESA) S. 3731, Special Inspector General for the TARP Act 0f 2008;

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

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

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

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

H.R. 1424 Emergency Economic Stabilization Act, all provisions; H.R. 5546/S. 3086 Credit Card Fair Fee Act of 2008, all provisions; H.R. 3778/S. 2133, Home Ownership Mortgage Equity Saving Act, all provisions; H.R. 3609, Emergency Home Ownership and Equity Protection Act, all provisions; S. 2136 Helping Families Save Their Homes in Bancruptcy Act, all provisions; H.R. 4049 Money Service Business Act of 2008, all provisions; H.R. 946, Consumer Overdraft Protection Fairness, all provisions.

Client expense: $43,670 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1424 Emergency Economic Stabilization Act, all provisions; H.R. 5546/S. 3086 Credit Card Fair Fee Act of 2008, all provisions; H.R. 3778/S. 2133, Home Ownership Mortgage Equity Saving Act, all provisions; H.R. 3609, Emergency Home Ownership and Equity Protection Act, all provisions; S. 2136 Helping Families Save Their Homes in Bancruptcy Act, all provisions; H.R. 4049 Money Service Business Act of 2008, all provisions; H.R. 946, Consumer Overdraft Protection Fairness, all provisions.

Client expense: $43,670 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 946 - Consumer Overdraft Protection Fair Practices Act - General monitoring of H.R. 946 so that it conforms with all reasonable and generally accepted banking industry practices and assist in implementing a consumer-sensitive discretionary overdraft payment program.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 946 - Consumer Overdraft Protection Fair Practices Act - General monitoring of H.R. 946 so that it conforms with all reasonable and generally accepted banking industry practices and assist in implementing a consumer-sensitive discretionary overdraft payment program.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.515: To establish a commission on corporate entitlement reform. H.R.946: To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. H.R.1066: To increase community development investments by depository institutions, and for other purposes. H.R.1208: To amend the Securities and Exchange Act of 1934 to require improved disclosure of corporate charitable contributions, and for other purposes. H.R.1257: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. H.R.1424: A bill 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 for other purposes. H.R. 1967: To amend the Gramm-Leach-Bliley Act to provide an exception from the continuing requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, and for other purposes. H.R. 2586: to amend the Investment Advisers Act of 1940 to authorize the commission to require the registration of hedge fund advisers under that law. H.R. 2595: To amend the Securities Exchange Act of 1934 to require the disclosure of proxy votes relating to executive and director compensation by beneficial owners of more than five percent of a company's shares. H.R. 2868: to eliminate the exemption from state regulation for certain securities designated by national securities exchanges. H.R. 3997: Emergency Economic Stabilization Act of 2008 H.R.6213: to establish the Reinsurance International Solvency Standards Evaluation Board. H.R.6482: to direct the Securities and Exchange Commission to establish both a process by which asset-backed instruments can be deemed eligible for NRSRO ratings and an initial list of such eligible asset-backed instruments. H.R.6604: To amend the Commodity Exchange Act to bring greater transparency and accountability to commodity markets, and for other purposes. H. RES. 1449: Providing for consideration of the bill (H.R. 6604) to amend the Commodity Exchange Act to bring greater transparency and accountability to commodity markets, and for other purposes. S.473: A bill to improve the prohibitions on money laundering, and for other purposes. S. 1181: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation. S.1402: A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements. S.3691: A bill to amend the Commodity Exchange Act to require reporting and recordkeeping for positions involving credit-default swaps, to grant the Federal Reserve Board authority over investment-bank holding companies, and for other purposes. S.3714: A bill to amend the Commodity Exchange Act to ensure that all agreements, contracts, and transactions with respect to commodities are carried out on a regulated exchange, and for other purposes.

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

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

Consumer Product Safety Modernization Act (H.R. 4040), all titles. Supported efforts to implement new Consumer Product Safety Commission Improvement Act, add resources, regulate dangerous and/or toxic products. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Testified in previous quarters. Specific new law is PL 110-314 (HR 4040, Consumer Product Safety Modernization Act). Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support for S 1782/HR 3010, the Arbitration Fairness Act to ban mandatory arbitration in consumer laws. 2) Support for S. 1145/HR 1908, the Patent Reform Act, to encourage generic substitutes for brand name pharmaceuticals. 3) Opposition to HR 1767/HR 1012, the Consumer Rental Purchase Agreement Act, which would legalize unfair practices of predatory rent to own stores. 5) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights (S 678/HR 1303 and section 401 of HR 1300, the Aviation Investment and Modernization Act of 2007. 6) Support efforts against unfair bank fees, including support for HR 946, the Consumer Overdraft Protection Fair Practices Act. 7) Support efforts to enact strong consumer protections in Emergency Economic Stabilization Act (HR 1424-Division A) and related bills. Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. We have lobbied or sent letters or communicated on all of the following bills, although our positions on them vary. S 2248, the FISA Modernization Act, only as to its provisions to hold telephone companies that broke the law and shared consumer records with the government liable, as well as S 2168, the Identity Theft Enforcement and Restitution Act, S 1178, the Identity Theft Prevention Act, HR 3316, Identity Theft Protection Act, S 495, the Personal Data Privacy and Security Act of 2007, HR 3046 Social Security Number Privacy and Identity Theft Prevention Act, and HR 948, the Social Security Number Privacy and Identity Theft Prevention Act.

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

Government targets: Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT)

HR 964- The Securely Protect Yourself Against Cyber Trespass Act; HR 948 - the Social Security Number Protection Act of 2007; HR 958 - The Data Accountability and Trust Act; HR 1525 - The Internet Spyware (I-SPY) Prevention Act of 2007; HR 936 - To prohibit fraudulent access to telephone records; S.495 - The Personal Data Privacy and Security Act of 2007; S.239 - The Notification of Risk to Personal Data Act of 2007; S.1202 - The Personal Data Protection Act of 2007; S.1178 The Identity Theft Prevention Act; S.1395 The Stop Unfair Practices in Credit Cards Act of 2007; H.R.4175 - Privacy and Cybercrime Enforcement Act of 2007; H.R.946 - Consumer Overdraft Protection Fair Practices Act; H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008; and H.R.5546 - Credit Card Fair Fee Act of 2008.

Client expense: Not reported · Firm income: $25,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 964- The Securely Protect Yourself Against Cyber Trespass Act; HR 948 - the Social Security Number Protection Act of 2007; HR 958 - The Data Accountability and Trust Act; HR 1525 - The Internet Spyware (I-SPY) Prevention Act of 2007; HR 936 - To prohibit fraudulent access to telephone records; S.495 - The Personal Data Privacy and Security Act of 2007; S.239 - The Notification of Risk to Personal Data Act of 2007; S.1202 - The Personal Data Protection Act of 2007; S.1178 The Identity Theft Prevention Act; S.1395 The Stop Unfair Practices in Credit Cards Act of 2007; H.R.4175 - Privacy and Cybercrime Enforcement Act of 2007; H.R.946 - Consumer Overdraft Protection Fair Practices Act; and H.R.5244 - Credit Cardholders' Bill of Rights Act of 2008.

Client expense: Not reported · Firm income: $25,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR5546 and S3086 legislation to regulate interchange fee associated with debit/credit card HR946 Overdraft fees HR3915 Mortgage Overhaul Act HR5244 and S1396 legislation to regulate credit card practices and pricing. HR3010, S1782 Arbitration Fairness Act HR1424 Emergency Economic Stabilization Act

Client expense: $580,000 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424); Military Bankruptcy (S.3197); Pension Fund Reform (H.R.7327). Regulation: Community Reinvestment Act regulations; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, Financial Institution Regulatory Restructuring; SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules; Guidance on HELOC reductions; Best Practices for Residential Covered Bonds; FRB Reg. S (privacy); HUD RESPA Regulations; Money Market Fund Guaranties; Fannie Mae/Freddie Mac Conservatorship; SEC Short-Selling Rules; FASB Fair Value Accounting Regs; Auction-Rate Securities Rules; Timing of FASB/SEC Rules; FDIC Deposit Insurance Coverage Regulations; Truth-in-Savings Regulations; Risk Weighting of capital standards; Interest on Reserve Requirements; FDIC Restoration Plan; Deposit and Debt Guarantee Program; Guaranty Program for Troubled Assets; Capital Purchase Program; Hope for Homeowners Program; Overdraft Regulations; Currency Transaction Report Exemptions. #17. (continued from previous page) Public Company Accounting Oversight Board

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), 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

H.R. 5244 Credit Cardholders' Bill of Rights Act of 2008 Overdraft Disclosure Issues HR 946 Consumer Overdraft Protection Fair Practices Act

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

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

HR 5244 Credit Cardholders' Bill of Rights Act of 2008 Overdraft Disclosure Issues HR 946 Consumer Overdraft Protection Fair Practices Act

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

Government targets: Executive Office of the President (EOP), 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 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

Please see addendum H.R. 1537, Credit Union Regulatory Improvements Act, all provisions H.R. 890, Student Loan Sunshine Act, all provisions H.R. 41, The Business Checking Fairness Act of 2007, all provisions H.R. 1869 and S. 1405, Communities First Act, all provisions H.R. 958, Data Accountability and Trust Act, all provisions S. 1178, Identity Theft Protection Act, all provisions S. 1260, Data Security Act, all provisions H.R. 111 and S. 4131, The Community Choice in Real Estate Act, all provisions H.R. 946, Consumer Overdraft Protection Practices Act, all provisions H.R. 3915, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions H.R. 1427, Federal Housing Finance Reform Act, all provisions S. 1100, Federal Housing Enterprise Regulatory Reform Act, all provisions H.R. 1852, Expanding American Homeownership Act, all provisions S. 2338, Federal Housing Administration Modernization Act, all provisions Financial Services Regulatory Relief Issues H.R. 1289, Community Reinvestment Modernization Act, all provisions H.R. 323, Seasoned Customer CTR Exemption Act, all provisions H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007, all provisions H.R. 5244, Credit Cardholders' Bill of Rights Act of 2008, all provisions H.R. 5519, Credit Union Regulatory Relief Act, all provisions H.R. 5546, Credit Card Fair Fee Act of 2008, all provisions H.R. 5767, Payment Systems Protection Act, all provisions Nomination of Steven Preston to be Secretary of Housing and Urban Development H.R. 5841, Bank and Thrift Regulatory Relief Act, Title I, Title II (Sections 202,204) Title III, Title IV (section 405) H.R. 5140, Economic Stimulus Act of 2008, Title II H.R. 946, Consumer Overdraft Protection Act, all provisions H.R. 3221, Housing Rescue and Foreclosure Prevention Act, all provisions H.R. 5830, FHA Housing Stabilization and Homeownership Retention Act, all provisions H.R. 6312, Credit Union, Bank and Thrift Regulatory Relief Act, Title I, Title II (sections 202, 204), Title III, Title IV (section 405), all provisions S. 2957, Credit Union Regulatory Improvements Act, all provisions S. 3086, Credit Card Fair Fee Act, all provisions Nomination of Michael Fryzel to be a member of the NCUA Board H.R. 6870, The Payment System Protection Act, all provisions H.R. 3997, Emergency Economic Stablization Act, House Amendment to the Senate Amendment to the House Amendment to the Senate Amendment, Title I, Sections 101-135, related to the Troubled Asset Recovery Program. H.R. 1424, Emergency Economic Stabilization Act, Senate Amendment 5685, Title I, Sections 101-135, related to the Troubled Asset Recovery Program and Section 136, related to the National Credit Union Share Insurance Fund. S. 2284, Flood Insurance Reform and Modernization Act of 2007, all provisions S. 3787, Protecting Consumers from Unreasonable Credit Rates Act of 2008, all provisions S. 3632, Fostering American Independence from Regressive and Abusive Credit Transactions Act of 2008, section 2

Client expense: $746,324 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), White House Office

Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S.1299 - Borrower's 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; H.R.946 - Consumer Overdraft Protection Fair Practices Act; S.2133 - HOMES Act; H.R.3221 - American Housing Rescue and Foreclosure Prevention Act of 2008; H.R.3778 - HOMES Act; H.R.3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007; S.1222 - STOP FRAUD Act; S.2452 - Home Ownership Preservation and Protection Act of 2007; S.2636 - Foreclosure Prevention Act of 2008; H.R.3997 - Heroes Earnings Assistance and Relief Tax Act of 2007; and H.R.1424 - 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 for other purposes.

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

HR 2087 - No Child Left Behind Reform Act HR 4335 - Youth Financial Education Act HR 1424 - Emergency Economic Stabilization Act of 2008 S 2338 - FHA Modernization Act of 2007 S 2391 - GSE Mission Improvement Act of 2007 S 2452 - Home Ownership Preservation and Protection Act of 2007 S 2539 - Recovery Rebates and Economic Stimulus for the American People Act of 2008 S 348 - Improving No Child Left Behind Act S 562 - No Child Left Behind Flexibility and Improvements Act S 1194 - No Child Left Behind Reform Act S 1913 - No Child Left Behind Enhancement Act S 495 The Personal Data Privacy and Security Act of 2007 S 806 The Consumer I.D. Protection and Security Act S 1178 The Identity Theft Prevention Act S 1260 The Data Security Act of 2007 HR 1852 - Expanding American Homeownership Act of 2007 HR 3609 - Emergency Home Ownership and Mortgage Equity Protection Act HR 3648 - Mortgage Forgiveness Debt Relief Act of 2007 HR 3915 - Mortgage Reform and Anti-Predatory Lending Act HR 3996 - Temporary Tax Relief Act of 2007 HR 4178 - Emergency Mortgage Loan Modification Act HR 5140 Recovery Rebates and Economic Stimulus for the American People Act of 2008 HR 958 The Data Accountability and Trust Act HR 1685 The Data Security Act of 2007 HR 323 - The Seasoned Customer CTR Exemption Act HR 946 - The Consumer Overdraft Protection Fair Practices Act HR 698 - The Industrial Bank Holding Company Act of 2007 H.Con. Res. 140 - The Financial Services Diversity Initiative HR 3221 - American Housing Rescue and Foreclosure Prevention Act of 2008

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

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

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)

Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S. 1299; H.R. 3012; H.R. 3081; H.R. 3296 ; H.R. 3609; S 2136; H.R. 946; S 2133; H.R. 3221; H.R. 3778; H.R. 3915; S.1222; S.2452; S 2636; H.R. 3997; H.R. 1424

Client expense: Not reported · Firm income: $45,037

Government targets: HOUSE OF REPRESENTATIVES

HR 946: Overdraft Protection Fair Practices Act HR 3012: Fair Mortgage Practices Act of 2007 HRes 526: Whereas Homeownership is an important part of realizing the America Dream HR 3081: Fairness for Homeowners Act HR 1996: Preservation of Federalism in Banking HR 3296: Mortgage Broker Transparency and Accountability Act of 2007 HR 2871: Payday Loan Reform Act of 2007 HR 3017: Stop Fraud Act HR 2061: Predatory Mortgage Lending Practices Reduction Act HR 3133: Financial Literacy for Homeowners Act HR 1289: Community Reinvestment Modernization Act of 2007 HR 2146: Universal Default Prohibition Act of 2007 HR 1852: Expanding American Homeownership Act of 2007 HR 1752: Expanding American Homeownership Act of 2007 HR 1723: Fair FHA Appraisals Act of 2007 HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 HR 3837: Escrow, Appraisal, and Mortgage Servicing Improvements Act HR 3609: Emergency Home Ownership and Mortgage Equity Protection Act S 1386: Homeownership Protection and Enhancement Act of 2007 S 1299: Borrower's Protection Act of 2007 S 1309: Universal Default Prohibition Act of 2007 S 1222: Stop Fraud Act S 1395: Stop Unfair Practices in Credit Cards Act of 2007 S 947: 21st Century Housing Act S 1805: FHA Loan Limit Adjustment Act of 2007 S 2452: Home Ownership Preservation and Protection Act of 2007 S 2136: Helping Families Save Their Homes in Bankruptcy Act HR 3221: Foreclosure Prevention Act of 2008 HR 5830: FHA Housing Stabilization and Homeownership Retention Act HR 5776: Homeowner Empowerment Act HR 5679: Foreclosure Prevention and Sound Mortgage Servicing Act HR 5678: Neighborhood Rescue and Stabilization Act HR 5649: Home Owners' Loan Corporation for the 21st Century Act HR 5579: Emergency Mortgage Loan Modification Act HR 5572: Helping Communities Act HR 5500: Foreclosure Credit Forgiveness Act HR 3648: Mortgage Forgiveness Debt Relief Act S 2753: Credit Card Reform Act S 2595: S.A.F.E. Mortgage Licensing Act S 2542: Credit Card Minimum Payment Notification Act S 2455: Community Foreclosure Assistance Act S 2411: Credit Card Safety Star Act S 2153: Mortgage Disclosure Improvement Act S 2036: Protecting Access to Safe Mortgages Act HR 5244: Credit Cardholders' Bill of Rights Act HR 4135: Family Foreclosure Rescue Corporation Act HR 6076: Home Retention and Economic Stabilization Act of 2008 HR 6254: Temporary FHA Direct Endorsement Lender Participation Act of 2008 HR 1424: Emergency Economic Stabilization Act of 2008 HConRes 391: Recognizing the disparities that are associated with predatory lending abuses in minority communities and expressing the sense of the Congress that as new abuses continue to emerge, such laws should ensure that all those responsible for representing and protecting families have the authority to act to address these new problems HR 6312: Credit Union, Bank, and Thrift Regulatory Relief Act of 2008

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

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

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

Issues related to traditional banking, checking and savings accounts, mortgage loans, home equity lines of credit and other issues including the following legislation: S. 1299; H.R. 3012; H.R. 3081; H.R. 3296 ; H.R. 3609; S 2136; H.R. 946; S 2133; H.R. 3221; H.R. 3778; H.R. 3915; S.1222; S.2452; S 2636; H.R. 3997; H.R. 1424

Client expense: Not reported · Firm income: $42,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Supported efforts to reauthorize Consumer Product Safety Commission, add resources, regulate dangerous and/or toxic products. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Testified in previous quarters. Specific bills included HR 4040, Consumer Product Safety Modernization Act and S 2045 and S 2663, the CPSC Reform Act (S 2663 was a successor floor vehicle. Supported various efforts to protect consumers from unfair business or marketplace practices by signing letters, lobbying or commenting on various proposals: 1) Mandatory Arbitration: Support for S 1782/HR 3010, the Arbitration Fairness Act to ban mandatory arbitration in consumer laws. 2) Support for S. 1145/HR 1908, the Patent Reform Act, to encourage generic substitutes for brand name pharmaceuticals. 3) Opposition to HR 1767/HR 1012, the Consumer Rental Purchase Agreement Act, which would legalize unfair practices of predatory rent to own stores. 5) Supported aspects of Federal Aviation Administration reforms pertaining to Airline Passengers Bill of Rights (S 678/HR 1303 and section 401 of HR 1300, the Aviation Investment and Modernization Act of 2007. 6) Support efforts against unfair bank fees, including support for HR 946, the Consumer Overdraft Protection Fair Practices Act. Support efforts to ensure that federal law provides consumers with strong privacy protection, prevents identity theft, and holds companies and government agencies accountable when they lose consumer data. Support includes lobbying, letters, and communications as necessary. We have lobbied or sent letters or communicated on all of the following bills, although our positions on them vary. S 2248, the FISA Modernization Act, only as to its provisions to hold telephone companies that broke the law and shared consumer records with the government liable, as well as S 2168, the Identity Theft Enforcement and Restitution Act, S 1178, the Identity Theft Prevention Act, HR 3316, Identity Theft Protection Act, S 495, the Personal Data Privacy and Security Act of 2007, HR 3046 Social Security Number Privacy and Identity Theft Prevention Act, and HR 948, the Social Security Number Privacy and Identity Theft Prevention Act.

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

Government targets: Consumer Product Safety Commission (CPSC), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of