Payday Loan Reform Act of 2009

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

H.R. 1214 "Payday Loan Reform Act of 2009", H.R. 1846 "Consumer Lending Education and Reform Act", H.R. 2563 "Payday Lending Reform Act of 2009", H.R. 2309 "The Consumer Credit and Debt Protection Act", and S. 500 "Protecting Consumers from Unreasonable Credit Rates Act of 2009"

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1551 / H.R. 5042, Liability for Aiding and Abetting Securities Violations Act of 2009 H.R. 2309, Consumer Credit Protection Agency Act, provisions relating to the state attorney general enforcement H.R. 3126, Consumer Financial Protection Agency Act of 2009 H.R. 3817, Investor Protection Act of 2009, including a potential amendment that would roll-back the Supreme Court's Stoneridge decision H.R. 4173 / S. 3217, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to Representative Bean's preemption amendment H.R. 1214, The Payday Loan Reform Act of 2009 H.R. 991, Consumer Fairness Act of 2009 H.R. 3451, Foreclosure Prevention and Sound Mortgage Servicing Act of 2009 H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act H.R. 4790, Shareholder Protection Act of 2010 S. Amend. 3893, 3894, 3895, 111th Cong. (2010), and all provisions of amendments dealing with securities litigation, State AG enforcement/contingency fees, and arbitration General background on U.S. capital markets competitiveness and regulation, securities litigation, and P.L. 104-67, Private Securities Litigation Reform Act of 1995 Potential legislation dealing with attorney pay-to-play issues in securities litigation (specific legislation not yet introduced)

Client expense: $14,490,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

H.R. 1020 / S. 931, Arbitration Fairness Act of 2009 H.R. 1237 / S. 512, Fairness in Nursing Home Arbitration Act H.R. 4678 / S. 1606, Foreign Manufacturers Legal Accountability Act of 2009 H.R 5381 / S. 3302, Motor Vehicle Safety Act of 2010, provisions related to preemption and civil liability H.R. 991, Consumer Fairness Act of 2009 H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act, including the arbitration-related provisions H.R. 3451, Foreclosure Prevention and Sound Mortgage Servicing Act of 2009, including the arbitration-related provisions H.R. 1214, Payday Loan Reform Act of 2009 H.R. 4115, Open Access to Courts Act of 2009 H.R. 2454, American Clean Energy and Security Act of 2009, provisions relating to civil litigation H.R. 2868, Continuing Chemical Facility Anti-Terrorism Act of 2010, provisions relating to civil litigation H.R. 5503, Securing Protections for the Injured from Limitations on Liability Act S. 263, Service Members Access to Justice Act of 2009, provisions related to arbitration S. 3463, Survivors Equality Act of 2010 S. 3755, Fairness in Admiralty and Maritime Law Act S. 3663, Clean Energy Jobs and Oil Company Accountability Act of 2010, provisions dealing with damages under Death on the High Seas Act, the Jones Act, and punitive damages S. 537 / H.R. 1508 / H.R. 5419, Sunshine in Litigation Act of 2009 S. 1504, Notice Pleading Restoration Act of 2009 S. 585, Taxpayer Abuse Prevention Act, including the arbitration-related provisions S. Amend. 4394 / 4418 / 4324, 111th Cong. (2010) provisions dealing with liability of foreign manufacturers Various issues regarding legal reform, discovery reform, medical liability reform, asbestos litigation for House / Senate, arbitration and other alternative dispute resolution mechanisms, and general information regarding Congressional member organizations and legal reform

Client expense: $14,490,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act." HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. Sen. Dodd Mark-up/Reg Reform, no bill number H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; Implementation of H.R. 4173, Wall Street Reform and Consumer Protection Act; Monitor data security and online privacy legislation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues and issues pertaining to the company; bills: S. 3632, H.R. 1214, H.R. 2563, H.R. 1846, H.R. 1608

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

REGULATORY REFORM, GENERALLY; HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; HR 1846, Consumer Lending Education and Reform Act, all provisions; HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. H.R.2563 Title: To amend the Truth in Lending Act to establish additional protections for consumers with regard to payday loans, and for other purposes. H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; H.R. 4173/S. 3217, Wall Street Reform and Consumer Protection Act, To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.4173, Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R.2563, Payday Lending Reform Act of 2009; H.R.1214, Payday Loan Reform Act of 2009; S.3245, Payday Lending Limitation Act of 2010; Issues related to short term lending, amending the Truth in Lending Act and the Regulation Reform Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1214, HR 1608, HR 1640, HR 1846, HR 2309, Hr 2563, HR 5942 S 257, S 500

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

H.R.4173, Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R.2563, Payday Lending Reform Act of 2009; H.R.1214, Payday Loan Reform Act of 2009; S.3245, Payday Lending Limitation Act of 2010; Issues related to short term lending, amending the Truth in Lending Act and the Regulation Reform Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.4173, Dodd-Frank Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; H.R.2563, Payday Lending Reform Act of 2009; H.R.1214, Payday Loan Reform Act of 2009; S.3245, Payday Lending Limitation Act of 2010; Issues related to short term lending, amending the Truth in Lending Act and the Regulation Reform Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitored and reviewed legislation and amendments related to overdraft protection provisions including H.R. 1456, H.R. 3904 and S. 235 designed to extend the Truth and Lending Act to overdraft protection programs, as well as H.R. 1214 extending protections to consumers and requiring disclosures.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Vice President of the U.S., White House Office

HR 1214, Hr 1608, HR 1640, HR 1846, HR 2309, HR 2563, HR 4173 S 257, S 500, S 3217

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Payday Loan Reform Act of 2009 (HR 1214). Restoring American Financial Stability Act of 2010 (S. 3217).

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

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

HR 1020, Arbitration Fairness Act of 2009 HR 1754, The Financial System Stabilization and Reform Act of 2009 S 664, The Financial System Stabilization and Reform Act of 2009 HR 1106, The Helping Families Save their Homes Act of 2009 HR 302, A Bill to require the SEC to reinstate the uptick rule on short sales of securities HR 786, To make permanent the temporary increase in deposit insurance coverage HR 1214, The Payday Loan Reform Act of 2009 HR 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act HR 3068, TARP for Main Street Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 HR 3126, The Consumer Financial Protection Agency Act 2009 HR 3795, The Over the Counter Derivatives Markets Act of 2009 HR 3310, Financial Services Regulatory Reform HR 3300, Derivative Trading Accountability and Disclosure Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 S 272, The Derivatives Trading Integrity Act of 2009 HR 2382, The Credit Card Interchange Fees Act of 2009 HR 4173, The Wall Street Reform and Consumer Protection Act of 2009 HR 3890, The Accountability and Transparency in Rating Agencies Act HR 3817, Investor Protection Act of 2009 HR 3996, Financial Stability Improvement Act of 2009 Bank Tax

Client expense: $7,310,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)

S. 500/HR1608, Protecting Consumer from Unreasonable Credit Rates Act of 2009: HR 1640 Interest Rate Reduction Act; HB 1705/S.566, Financial Product Safety Commission Act of 2009, HR 1214, Payday Loan Reform Act of 2009;S 582, Interest Rate Reduction Act; HB 1456. Various bills relating the Truth & Lending Act (Overdraft, Service Charges & payday loan disclosures), H.R.4173, Dodd-Frank Wall Street Reform and Consumer Protection Act, issues related to regulatory reform

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S786: Improving Access to Mainstream Financial Institutions Act of 2009 (to establishing alternative small-dollar lending program to payday loans) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Lending Limitation Act of 2010 (to limit abusive aspects of payday loans) S.AMDT.4311 to HR4213: Franken/Snowe Amendment (to create an Office of the Homeowner Advocate) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modifications for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions, and to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR4300: Restoring America's Commitment to Consumers Act of 2009 (favoring a 36% inclusive interest rate cap) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) HR5942: FFSCC Act of 2010 (to protect existing state laws limiting abusive payday lending practices) House and Senate GSE Bills, not yet introduced (to ensure there is a secondary housing market to serve low- and moderate-income communities) Freedom of Mobility in Banking Act, not yet introduced (to facilitate consumers' ability to change banking accounts, including protection from unfair related fees) Executive branch agencies and issues: Dept. of Treasury -- Consumer Financial Protection Agency, HAMP, GSE reform, Bank On program Federal Trade Commission -- debt settlement, auto financing Banking agencies (Federal Reserve System, FDIC, OCC, OTS) -- testified at hearing on reforms to Community Reinvestment Act HUD -- GSE reform FDIC -- overdraft loans

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

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

H.R. 1020 / S. 931 - Arbitration Fairness Act H.R. 1237 - S. 512 - Fairness in Nursing Home Arbitration Act H.R. 991 - Consumer Fairness Act S. 458 - False Claims Clarification Act H.R. 1178 - False Claims Corrections Act S. 386 - Fraud Enforcement and Recovery Act H.R. 1346 / S. 540 - Medical Device Safety Act H.R. 759 - Food and Drug Administration Globalization Act H.R. 609 - Right to Clean Vehicles Act S. 537 / H.R. 1508 - Sunshine in Litigation Act H.R. 1105 - Omnibus Appropriations Act H.R. 1214 - Payday Loan Reform Act of 2009 S. 263 - Servicemembers Access to Justice Act of 2009 H.R. 1748 - Fight Fraud Act S. 448 / H.R. 985 - Free Flow of Information Act S. 1504 - Notice Pleading Restoration Act of 2009 H.R. 4115 - Open Access to Courts Act S. 1606 - Foreign Manufacturers Legal Accountability Act of 2009 S. 1551 - Liability for Aiding and Abetting Securities Violations Act of 2009 H.R. 3871 - Investor Protection Act H.R. 3200 - Medial Malpractice issues n the "America's Affordable Health Choices Act" H.R. 3200 - Medicare Secondary Payer provisions in the "America's Affordable Health Choices Act" H.R. 3451 - Arbitration related provisions in the "America's Affordable Health Choices Act" S. 560 / H.R. 1409 - All provisions of the Employee Free Choice Act H.R. 1788 - All provisions of the False Claims Act Correction Act S. 2831 (110th congress bill) - All provisions of the 110th Congress' Federal Trade Commission Reauthorization Act P.L. 110-314 - All provisions of the Consumer Product Safety Improvement Act H.R. 1 / Senate Amendment 570 to the same, P.L. 111-5 - the State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act H.R. 1106 / Senate Amendment 673 to the same, P.S. 111-8 - the State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act No bill number - General background on U.S. capitol markets competitiveness and regulation No bill number - Potential legislation dealing with the Medicare Secondary Payer provisions of the Medicare Statute No bill number - General background on drug and device labeling rules ad the doctrine of Federal preemption S. 437 / H.R. 2519 - All aspects of untitled legislation to amend the Internal Revenue Code of 1986 to allow the deduction of attorney-advanced expenses and court costs in contingency fee cases No bill number - General background on U.S. capitol markets competitiveness and regulation No bill number - General background on securities litigation and P.L. 104-67, the Private Securities Litigation Reform Act No bill number - Potential legislation dealing with attorney pay-to-play issues in securities litigation No bill number - General background on arbitration and other alternative dispute resolution mechanisms No bill number - General background on State AGs and their enforcement authority / activities H.R. 2309 - State AG enforcement provisions of Consumer Credit Protection Improvement Act H.R. 609 - All provisions of the Right to Clean Vehicles Act S. 585 - Arbitration provisions of the Taxpayer Abuse Prevention Act No bill number - All provisions of the Non-Deductibility of Punitive Damages Proposal in the President's Budget Submission

Client expense: $697,169 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1551/ H.R. 5042, Liability for Aiding and Abetting Securities Violations Act of 2010 H.R. 2309, Consumer Credit Protection Agency Act, provisions related to state attorney general enforcement H.R. 3126, Consumer Financial Protection Agency Act of 2009 H.R. 3817, Investor Protection Act of 2009, including a potential amendment that would roll-back the Supreme Court's Stoneridge decision H.R. 1214, The Payday Loan Act of 2009 H.R. 991, Consumer Fairness Act of 2009 H.R. 3451, Foreclosure Prevention and Sound Mortgage Servicing Act of 2009 H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act H.R. 4173/ S. 3217, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2009, provisions related to Rep. Bean's preemption amendment H.R. 4790, Shareholder Protection Act of 2010 S. AMDT 3893, 3894, 3895, all provisions of amendments dealing with securities litigation, State AG enforcement/contingency fees, and arbitration General background on U.S. capital markets competitiveness and regulation, securities litigation, and PL 104-67, Private Securities Litigation Reform Act of 1995 Potential legislation dealing with attorney pay-to-play issues in securities litigation (specific legislation not yet introduced)

Client expense: $7,420,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

See addendum. Payday lending provisions in the following legislation: HR 4173, Dodd-Frank Wall Street Reform and Consumer Protection Act (Rep. Speier) HR 1600, Protecting Consumers from Unreasonable Credit Rates Act of 2009 (Usury rate cap) (Rep. Hinchey) HR 1640, Interest Rate Reduction Act (Sen. Durbin) S 500, Protecting Consumers from Unreasonable Credit Rates Act of 2009 (Sen. Sanders) S 582, Interest Rate Reduction Act (Sen. Hagan) S 3245, Lending Limitation Act of 2010 (Rep. Gutierrez) HR 1214, Payday Loan Reform Act of 2009 (Rep. Baca) HR 1846, C.L.E.A.R. Act (Rep. Shuler) HR 2563, Payday Lending Reform Act of 2009

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

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

Regulatory issues of the financial services industry; H.R. 1214 The Payday Loan Reform Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES

REGULATORY REFORM, GENERALLY; HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; HR 1846, Consumer Lending Education and Reform Act, all provisions; HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. H.R.2563 Title: To amend the Truth in Lending Act to establish additional protections for consumers with regard to payday loans, and for other purposes. H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; H.R. 4173/S. 3217, Wall Street Reform and Consumer Protection Act, To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act." HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. Sen. Dodd Mark-up/Reg Reform, no bill number H.R. 1846. CLEAR Act, To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes; Implementation of H.R. 4173, Wall Street Reform and Consumer Protection Act; Monitor data security and online privacy legislation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1214 "Payday Loan Reform Act of 2009", H.R. 1846 "Consumer Lending Education and Reform Act", H.R. 2563 "Payday Lending Reform Act of 2009", H.R. 2309 "The Consumer Credit and Debt Protection Act", and S. 500 "Protecting Consumers from Unreasonable Credit Rates Act of 2009"

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Help ensure rationality, fairness and more certainty in legal system (including S. 386/H.R. 1793/S. 378, FERA; H.R. 1020/S. 931, Patient-Focused Critical Care Enhancement Act; H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act; H.R. 991, Consumer Fairness Act of 2009; H.R. 1237/S. 512, Fairness in Nursing Home Arbitration Act of 2009; H.R. 1214, Payday Loan Reform Act; S. 263/H.R. 1474, Servicemembers Access to Justice Act of 2009; S. 1551, Liability for Aiding and Abetting Securities Violations Act of 2009; S. 2813, Investors Rights and Corporate Accountability Act of 2009; H.R. 3326, Department of Defense Appropriations Act, 2010; S.1504, Notice Pleading Restoration Act of 2009; Restoring American Financial Stability Act of 2010 (H.R. 4173); Legislation to limit the tax deductibility of punitive damages; S. Amdt. 4344 to H.R. 4213 - To amend the Internal Revenue Code of 1986 to extend the time for closing on a principal residence eligible for the first-time homebuyer credit; H.R.4115, Open Access to Courts Act of 2009; H.R. 5381/S.3302, Motor Vehicle Safety Act of 2010).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial issues and issues pertaining to the company; bills: S. 3632, H.R. 1214, H.R. 2563, H.R. 1846, H.R. 1608

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.4173, Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R.2563, Payday Lending Reform Act of 2009; H.R.1214, Payday Loan Reform Act of 2009; S.3245, Payday Lending Limitation Act of 2010; Issues related to short term lending, amending the Truth in Lending Act and the Regulation Reform Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Payday Loan Reform Act of 2009, H.R. 1214 Financial Product Safety Commission Act of 2009, S. 566 Protecting Consumers from Unreasonable Credit Rates Act of 2009, H.R. 1608, S. 500 Universal Default Prohibition Act of 2009, H.R. 1637 Consumer Financial Protection Agency Act of 2009, H.R. 3126 The Consumer Credit Fairness Act, S. 257

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 H.R. 1214, Payday Loan Reform Act of 2009 S. 3217, Restoring American Financial Stability Act of 2010

Client expense: $136,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Office of the Vice President of the United States, SENATE, Treasury, Dept of, White House Office

HR 1214, HR 1608, HR 1640, HR 1846, HR 2309, HR 2563, HR 3126, HR 4173 S 257, S 500, S 3217

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1214 "Payday Loan Reform Act of 2009", H.R. 1846 "Consumer Lending Education and Reform Act", H.R. 2563 "Payday Lending Reform Act of 2009", H.R. 2309 "The Consumer Credit and Debt Protection Act", and S. 500 "Protecting Consumers from Unreasonable Credit Rates Act of 2009"

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 500/HR1608, Protecting Consumer from Unreasonable Credit Rates Act of 2009: HR 1640 Interest Rate Reduction Act; HB 1705/S.566, Financial Product Safety Commission Act of 2009, HR 1214, Payday Loan Reform Act of 2009;S 582, Interest Rate Reduction Act; HB 1456. Various bills relating the Truth & Lending Act (Overdraft, Service Charges & payday loan disclosures), HB 4173 Regulatory Reform, S. 3217 - "Restoring American Financial Stability Act of 2010".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 500/HR1608, Protecting Consumer from Unreasonable Credit Rates Act of 2009: HR 1640 Interest Rate Reduction Act; HB 1705/S.566, Financial Product Safety Commission Act of 2009, HR 1214, Payday Loan Reform Act of 2009;S 582, Interest Rate Reduction Act; HB 1456. Various bills relating the Truth & Lending Act (Overdraft, Service Charges & payday loan disclosures), HB 4173 Regulatory Reform, S. 3217 - "Restoring American Financial Stability Act of 2010".

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See addendum. Wall Street Reform Bill legislation: Speed bump amendment- requiring the new Bureau of Consumer Financial Protection (Bureau) when considering regulations to slow down and consider the impact on credit to small businesses and alternatives that might minimize any increase in such costs Sec 1021: provisions have wording indicating that the Bureaus purposes and objectives include implementing the federal law so as to ensure competitive markets for consumer financial products and consistent enforcement of the law to promote fair competition Title 12: small dollar loan vs. payday loans language in bill. Definition of payday Sec 1031: defining unfair, deceptive or abusive practices Arbitration provisions BCFP: rulemaking authority Hagan SA 3744 payday loans Whitehouse S.AMDT.3746 To restore to the States the right to protect consumers from usurious lenders. Slaughter/Tierney HR 4300 Restoring America's Commitment to Consumers Act of 2009. Usury rate cap Speier HR 1600 Protecting Consumers from Unreasonable Credit Rates Act of 2009. Usury rate cap Hinchey HR 1640 Interest Rate Reduction Act Durbin S.500 Protecting Consumers from Unreasonable Credit Rates Act of 2009 Sanders S.582 Interest Rate Reduction Act Hagan S.3245 Lending Limitation Act of 2010 Gutierrez HR 1214 Payday Loan Reform Act of 2009 Baca HR 1846 C.L.E.A.R. Act Shuler HR 2563 Payday Lending Reform Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Loan Limitation Act (to place a cap on the rate of interest allowed on payday loans) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate payday alternatives amendment (not yet introduced) (to create an alterative for abusive small-dollar loans) Senate FDIC payday standard (not yet introduced) (to create consumer protections for payday loan borrowers) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency, HAMP Federal Trade Commission - debt settlement

Client expense: $205,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 H.R. 1214, Payday Loan Reform Act of 2009 S. 3217, Restoring American Financial Stability Act of 2010

Client expense: $136,000 · Firm income: Not reported

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

H.R. 1020 / S. 931 - Arbitration Fairness Act H.R. 1237 / S. 512 - Fairness in Nursing Home Arbitration Act H.R. 991 - Consumer Fairness Act S. 458 - False Claims Clarification Act H.R. 1178 - False Claims Corrections Act S. 386 - Fraud Enforcement and Recovery Act H.R. 1346 / S. 540 - Medical Device Safety Act H.R. 759 - Food and Drug Administration Globalization Act H.R. 609 - Right to Clean Vehicles Act S. 537 / H.R. 1508 - Sunshine in Litigation Act H.R. 1105 - Omnibus Appropriations Act H.R. 1214 - Payday Loan Reform Act of 2009 S. 263 - Servicemembers Access to Justice Act of 2009 H.R. 1748 - Fight Fraud Act S. 448 / H.R. 985 - Free Flow of Information Act S. 1504 - Notice Pleading Restoration Act of 2009 H.R. 4115 - Open Access to Courts Act S. 1606 - Foreign Manufacturers legal Accountability Act of 2009 S. 1551 - Liability for Aiding and Abetting Securities Violations Act of 2009 H.R. 3871 - Investor Protection Act H.R. 3200 - Medical Malpractice issues in the "America's Affordable Health Choices Act" H.R. 3200 - Medicare Secondary Payer provisions in the "America's Affordable Health Choices Act" H.R. 3451 - Arbitration related provisions in the "America's Affordable Health Choices Act" S. 560 / H.R. 1409 - All provisions of the Employee Free Choice Act H.R. 1788 - All provisions of the False Claims Act Correction Act S. 2831 - (110th Congress bill) - All provisions of the 110th Congress' Federal Trade Commission Reauthorization Act P.L. 110-314 - All provisions of the Consumer Product Safety Improvement Act H.R. 1 / Senate Amendment 570 to the same, P.L. 111-5 - The State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act H.R. 1106 / Senate Amendment 673 to the same, P.L. 111-8 - The State AG HIPPA enforcement provisions of the American Recovery and Reinvestment Act No bill number - General background and information on the doctrine of Federal preemption No bill number - Potential legislation dealing with the Medicare Secondary Payer provisions of the Medicare Statute No bill number - General background on drug and device labeling rules and the doctrine of Federal preemption S. 437 / H.R. 2519 - All aspects of untitled legislation to amend the Internal Revenue Code of 1986 to allow the deduction of attorney-advanced expenses and court costs in contingency fee cases No bill number - General background on U.S. capitol markets competitiveness and regulation No bill number - General background on securities litigation and P.L. 104-67, the Private Securities Litigation Reform Act No bill number - Potential legislation dealing with attorney pay-to-play issues in securities litigation No bill number - General background on arbitration and other alternative dispute resolution mechanisms No bill number - General background on State AGs and their enforcement authority / activities H.R. 2309 - State AG enforcement provisions of Consumer Credit Protection Improvement Act H.R. 609 - All provisions of the Right to Clean Vehicles Act S. 585 - Arbitration provisions of the Taxpayer Abuse Prevention Act No bill number - All provisions of the Non-Deductibility of Punitive Damages Proposal in the President's Budget Submission

Client expense: $932,499 · Firm income: Not reported

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). 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