Insurance Industry Competition Act of 2009

National Insurance Consumer Protection Act (H.R. 1880); Insurance industry regulatory reform (H.R. 1583)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1253, Health Insurance Restrictions and Limitations Clarification Act (Burgess) disclosure of coverage exclusions; (cont.) H.R. 1583, Insurance Industry Competition Act (DeFazio) McCarran-Ferguson reforms; H.R. 1691, Breast Cancer Patient Protection Act (DeLauro) hospital stays for breast cancer patients; H.R. 3217, Health Care Choice Act (Shadegg) national marketplace; H.R. 3584, Health Care Consumer Protection Act (Forbes) reinstatement of coverage upon payment of overdue premiums; H.R. 3590, Patient Protection and Affordable Care Act (Reid) health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, restrictions on rescissions, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program; H.R. 3596, Health Insurance Industry Antitrust Enforcement Act (Conyers) McCarran-Ferguson reforms; H.R. 4078, Long-Term Care Insurance Disclosure Act (Perriello) model disclosure form for long-term care insurance; H.R. 4563, Cancer Screening Coverage Act (Maloney) coverage requirement for cancer screening; H.R. 4626, Health Insurance Industry Fair Competition Act (Perriello) McCarran-Ferguson reforms; H.R. 4757, Health Insurance Rate Authority Act (Schakowsky) federal rate review process; H.R. 4872, Health Care and Education Reconciliation Act (Spratt) changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; H.R. 5000, Dental Coverage Value and Transparency Act (Andrews) requirements for dental coverage; H.R. 5664, High Risk Pool Fairness Act (Ellsworth ) high risk pools; H.R. 5761 (Melancon) effective date for prohibition on rescissions; H.R. 5808 (Woolsey) government-run plan; H.R. 5844, Fairness in Medigap Options Act (Rothman) guarantee issue and open enrollment for Medigap policies; H.R. 5890, Long-Term Care Insurance Reform Act (Doggett) regulation of LTC insurance; H.R. 6066, Preventing Social Security Fraud Act (Sanchez) requirements for private disability insurers; H.R. 6368, Federal Employee Disability Insurance Act (Holmes-Norton) supplemental disability insurance for federal employees; S. 688, Breast Cancer Patient Protection Act (Snowe) hospital stays for breast cancer patients; S. 1177, Confidence in Long-Term Care Insurance Act (Kohl) LTC consumer protections; S. 1459, Health Care Choice Act (DeMint) national marketplace; S. 1626, Long Term Care Insurance Integrity Act (Klobuchar) third party review of LTCI disputed claims; S. 1636, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) model disclosure forms for LTC insurance; S. 1681, Health Insurance Industry Antitrust Enforcement Act (Leahy) McCarran-Ferguson reforms; S. 3078, Health Insurance Rate Authority Act (Feinstein) federal rate review process; S. 3685 Insurance Competition and Transparency Act (Pryor) FTC authority; S. 3793, Job Creation and Tax Cuts Act (Baucus) health coverage tax credit; and S. 3958, Empowering States to Innovate Act, (Wyden-Brown) state innovation waivers. INS (Regulatory) Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; issues relating to the coordination of benefits between private health insurance plans and Medicaid; Medigap claims processing and crossover fees; implementation of Medigap standardized plan offerings; Medigap carrier recoveries related to CMS fraud and abuse enforcement activities, and issues related to Medigap educational materials; implementation of the Mental Health Parity Act requirements; medical loss ratios; review of rates for reasonableness; health insurance exchanges; pre-existing condition insurance plans; accountable care organizations; internal claims and appeals and external review processes; coverage of preventive services; preexisting condition exclusions; lifetime and annual dollar limits on benefits rescissions; patient protections; grandfathered health plan provisions; health insurance web portal requirements; dependent coverage; and other issues relating to health care reform implementation.

Client expense: $1,980,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Drug Enforcement Administration (DEA), Executive Office of the President (EOP), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Medicare Payment Advisory Commission (MedPAC), Office of Personnel Management (OPM), SENATE, Social Security Administration (SSA), Treasury, Dept of

Issues related to HR 1583, Insurance Industry Competition Act of 2009; HR 1880, National Insurance Consumer Protection Act; HR 2554, National Association of Registered Agents and Brokers Reform Act of 2009; HR 2571, Nonadmitted and Reinsurance Reform Act of 2009; HR 2609, Insurance Information Act of 2009; HR 3139, National Flood Insurance Program Extension Act of 2010; HR 3139, National Flood Insurance Program Extension Act of 2009; (see also next page) (continued...) HR 4164 A bill to amend the National Flood Insurance Act of 1968 to provide for a phased-in increase of chargeable premium rates for properties affected by updated Flood Insurance Rate Maps. HR 4691Temporary Extensions Act of 2010 HR 4778Natinal Flood Insurance Program Extension Act of 2010 HR 4802Risk Retention Modernization Act of 2010 HR 4851Conitinuing Extention Act of 2010 HR 5114Flood Insurance Reform Priorities Act HR 5569National Flood Insurance Program Extension Act of 2010 HR 5808Amend PPACA to establish a public health insurance option HR 5982Small Business Tax Relief Act of 2010 S 1363Nonadmitted and Reinsurance Reform Act of 2009 S 3153Conitnuing Extension Act of 2010 S 3203A bill to extend the National Flood Insurance Program through May 31, 2010 S 3814National Flood Insurance Reextension act of 2010

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to HR 1583, Insurance Industry Competition Act of 2009; HR 3200, America's Affordable Health Choices Act of 2009; S 1681, Health Insurance Industry Antitrust Enforcement Act of 2009; and S 560, Employee Free Choice Act

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Reauthorization of flood insurance, credit scoring and issues related to natural disasters H.R.1583-Insurance Industry Competition Act of 2009 H.R.2571-Nonadmitted and Reinsurance Reform Act of 2009 H.R.3996-Financial Stability Improvement Act, provisions relating to the Office of National Insurance H.R.5114-Flood Insurance Reform Priorities Act of 2010 H.R.2555-Homeowners Defense Act of 2009 H.R.1264-Multiple Peril Insurance Act of 2009 H.R.3590-Patient Protection and Affordable Care Act H.R.5569-National Flood Insurnace Program Extension Act of 2010 H.R.4173-Restoring American Financial Stability Act of 2010 S.3217-Restoring American Financial Stability Act of 2010

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

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

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Non-admitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 H.R. 4173. Wall Street Reform and Consumer Protection Act of 2009. (entire bill) H.R. 3817. Investor Protections Act of 2009. (entire bill) H.R. 3818. Private Fund Investment Advisors Registration Act of 2009. (entire bill) H.R. 3996. Financial Stability Improvement Act. (entire bill) S. 3217. Restoring America's Financial Stability Act (entire bill) H.R. 4778. National Flood Insurance Program Extension Act (entire bill) H.R. 4802. Risk Retention Modernization Act (entire bill) H.R. 4626. Health Insurance Industry Fair Competition Act (entire bill) H.R. 5114. Flood Insurance Reform Priorities Act (entire bill) H.R. 5255. Stable Flood Insurance Authorization Act (entire bill) S. 3347. To extend the NFIP though December 31, 2010 (entire bill) S. 3814. National Flood Insurance Program Re-extension Act (entire bill) S. 3685. Insurance Competition and Transparency Act (entire bill) S. 3546. Cheaper Car Insurance Act (entire bill)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT), Treasury, Dept of

Monitoring issues related to healthcare; entire bills of the following: H.R. 1797, Compete Act of 2009 H.R. 1583, Insurance Industry Competition Act of 2009 Healthy Mothers and Healthy Babies Access to Care Act (formerly S. 244) H.R.2975, Medical Practice Protection Act of 2009 H.R. 568 / S. 246, Veterans Health Care Quality Improvement Act H.R. 3400, Empowering Patients First Act S. 45, MCAP Act S. 391 / H.R.1321, Healthy Americans Act H.R. 1495, Comprehensive HealthCARE Act of 2009 H.R. 1086, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act of 2009 H.R. 1468, Medical Justice Act of 2009 H.R. 676, United States National Health Care Act or the Expanded and Improved Medicare for All Act H.R.5243, To amend the Patient Protection and Affordable Care Act to clarify that the Act does not affect standards or procedures in medical malpractice actions. (House) S.1578, A bill to amend chapter 171 of title 28, United States Code, (commonly referred to as the Federal Torts Claim Act) to extend medical malpractice coverage to free clinics and the officers, governing board members, employees, and contractors of free clinics in the same manner and extent as certain Federal officers and employees. H.R.1745, Family Health Care Accessibility Act of 2010 H.R.5690, Meaningful End to Defensive Medicine & Aimless Lawsuits (MedMal) Act of 2010 Monitoring implementation of electronic health records

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of healthcare reform laws - Executive Branch actions re PL 111-148 and PL 111-152. Repeal Patient Protection and Affordable Health Care Acts (PL 111-148/PL 111-152) - HR 4901, To repeal the Patient Protection and Affordable Care Act; HR 4903, To repeal the Patient Protection and Affordable Care Act; HR 4910, To repeal the Patient Protection and Affordable Care Act and enact the Empowering Patients First Act in order to provide incentives to encourage health insurance coverage; HR 4919, To repeal the Patient Protection and Affordable Care Act; HR 4972, To repeal the Patient Protection and Affordable Care Act; HR 5005, To repeal the Patient Protection and Affordable Care Act; HR 5073, To repeal the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 and enact the OPTION Act of 2009; HR 5216, To repeal the Patient Protection and Affordable Care Act; HR 5421, To repeal the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010, repeal the 7.5 percent threshold on the deduction for medical expenses, provide for increased funding for high-risk pools, allow acquiring health insurance across State lines, and allow for the creation of association health plans; HR 5424, Reform Americans Can Afford Act of 2010 ; HR 5444, Private Option Health Care Act; HR 6355, STAT Act of 2010; S 3147, Patient Choice Restoration Act; S 3152, A bill to repeal the Patient Protection and Affordable Care Act. *High risk pools - HR 5664, High-Risk Pool Fairness Act. *Effective date for prohibitionon rescissions - HR 5761, To amend the Patient Protection and Affordable Care Act to expedite the application of the provision prohibiting rescissions of health insurance coverage. *Government-run plan - HR 5808, To amend the Patient Protection and Affordable Care Act to establish a public health insurance option. *Guarantee-issue and open enrollment for Medigap policies - HR 5844, Fairness in Medigap Options Act of 2010. *Regulations of LTC insurance - HR 5890, Long-Term Care Insurance Reform Act of 2010. *Third-party review of LTC insurance disputed claims - S 1626, A bill to require issuers of long term care insurance to establish third party review processes for disputed claims. *Model disclosure forms for LTC insurance - S 1636, A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance. *Model Disclosure form for long-term care insurance - HR 4078, To require the Secretary of Health and Human Services to develop a national model disclosure form to assist consumers in purchasing long-term care insurance. *Federal rate review process - HR 4757, Health Insurance Rate Authority Act of 2010; S 3078, Health Insurance Rate Authority Act of 2010. *Changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms - HR 4872, Health Care and Education Reconciliation Act of 2010. *Requirements for dental coverage - HR 5000, Dental Coverage Value and Transparency Act of 2010. *Requirements for private disability insurers - HR 6066, Preventing Social Security Fraud Act of 2010. *Supplemental disability insurance for Federal employees - HR 6368, Federal Employee Disability Insurance Act of 2010. *FTC authority - S 3685, Insurance Competition and Transparency Act of 2010. *Health coverage tax credit - S 3793, Job Creation and Tax Cuts Act of 2010. *State innovation waivers - S 3958, Empowering States to Innovate Act. *Disclosure of coverage exclusions - HR 1253, To require that limitations and restrictions on coverage under group health plans be timely disclosed to group health plan sponsors and timely communicated to participants and beneficiaries under such plans in a form that is easily understandable. *McCarran Ferguson reforms - HR 1583, To further competition in the insurance industry; S 1681, Health Insurance Industry Antitrust Enforcement Act of 2009. *Recissions, hospital stays for breast cancer patients - HR 1691, To require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations; S 688, A bill to require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations. *Coverage requirement for cancer screening - HR 4563, Cancer Screening Coverage Act of 2009. *MCCarran-Ferguson antitrust exemption - HR 4626, Health Insurance Industry Fair Competition Act. *LTC consumer protections - S 1177, A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. *National marketplace - HR 3217, Health Care Choice Act of 2009; S 1459, A bill to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage offered in interstate commerce. *Reinstatement of coverage upon payment of overdue premiums - HR 3584, To amend the Public Health Service Act to require reinstatement upon payment of all premiums due of group or individual health insurance coverage terminated by reason of nonpayment of premiums. *Changes to McCarran-Ferguson Act - HR 3596, To ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers; S 1681, A bill to ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. The Federal Insurance Office was incorporated into the Dodd-Frank Act, P.L. 111-203. "National Insurance Consumer Protection Act," H.R. 1880 would create an optional federal insurance charter; "Insurance Information Act of 2009," H.R. 2609 - . H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act/Restoring American Financial Stability Act" (RAFSA), establishes a Federal Insurance Office within the Department of Treasury; establishes a "Consumer Financial Protection Bureau"; creates a Financial Stability Oversight Council to regulate systemically important companies; modifies the standards for investment advisors and broker dealers; creates a system for winding down the affairs of failing systemically important companies; and imposes proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. H.R. 2555, "Homeowners' Defense Act of 2009," Federal Backstop for Natural Catastrophes - The legislation would authorize the Treasury Department to sell catastrophe reinsurance to state catastrophe funds. H.R. 1264, "Multiperil Insurance Act of 2009," - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 1583, "Insurance Industry Competition Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior.

Client expense: $880,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), Office of Thrift Supervision (OTS), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, White House Office

HR 1583, HR 3200, HR 3596, HR 3962, HR 635, S 1681, S 560, S 3685

Client expense: $810,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 1583, HR 1880, HR 2555, HR 2571, HR 2609, HR 3139, HR 3415, HR 4164, HR 4213, HR 4596, HR 4691, HR 4778, HR 4796, HR 4802, HR 4851, HR 5114, HR 5255, HR 5553, HR 5559, HR 6207, HR 6254, S 1363, S 3051, S 3109, S 3153, S 3203, S 3546, S 3672, S 3685, S 3815, S 3994

Client expense: $810,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Insurance Regulatory Reform - NAIFA supports principles underlying state regulation of insurance but also supports insurance regulatory reform and modernization that helps american families and businesses achieve financial security. HR 107, S. 219, Life Insurance Employee Notification Act which would require disclosure of employee-owned life insurance coverage of an employee. NAIFA supports. HR 2252 - NAIFA supports the COLI Best Practices Act, the House counterpart to S.219. House Resolution 912 & Senate Resolution 448 - Resolutions supporting "Life Insurance Awareness Month". NAIFA supports these resolutions. H.R. 1583 - Insurance Industry Competition Act of 2009 will amend the McCarran-Ferguson Act to grant the FTC and DOJ authority to enforce federal antitrust laws against the state regulated insurance industry. NAIFA opposes this bill as it will create a complicated, less efficient insurance regulatory regime. HR 5611 - National Association of Registered Agents and Brokers Reform Act (NARAB II). NAIFA supports this proposal to improve state-based reciprocal licensing inefficiencies without creating a federal regulator. HR 2609 - Insurance Information Act of 2009, would create an Office of Insurance Information within Department of Treasury. NAIFA supports. HR 1880 - National Insurance Consumer Protection Act (NICPA) would allow for an optional federal charter for insurance agents and companies, and also provide consumer protections and the establishment of a new Financial Services Coordinating council that would include the new National Insurance Commissioner to serve in an advisory capacity to a new systematic risk regulator. NAIFA supports introduction and is closely reviewing specifics of bill. HR 1705, S. 566 - Creates a Financial Product Safety Commission to provide consumers stronger protections and better information in connection with financial products and more regulatory certainty for providers. NAIFA opposes. S.40 & HR 3200 - National Insurance Act of 2007. NAIFA supports. HR 5297 - The Small Business Jobs Act would bring back a number of tax breaks that lapsed in December 2009. NAIFA supported. HR 5993 - The Securing America's Veterans Insurance Needs and Goals (Savings) Act of 2010 would require insurers with the SGLI program that offer retained asset accounts (RAAs) to provide information about the RAAs. NAIFA supports in principal.

Client expense: $315,000 · Firm income: Not reported

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

H.R. 1583, the Insurance Industry Competition Act of 2009, which would make federal antitrust laws applicable to insurance companies by amending the McCarran-Ferguson Act to repeal the antitrust exemption for the "business of insurance"; S. 1681, the Health Insurance Industry Antitrust Enforcement Act of 2009; H.R. 3596, the Health Insurance Industry Antitrust Enforcement Act of 2009. Aministration (OSHA) regarding issues related to ergonomics; OSHA Comprehensive Infectious Disease Control Standards.

Client expense: $590,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Air Force, Dept of, Army, Dept of (Other), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Defense, Dept of (DOD), Drug Enforcement Administration (DEA), Environmental Protection Agency (EPA), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Indian Health Service, Natl Institutes of Health (NIH), Navy, Dept of, Occupational Safety & Health Administration (OSHA), SENATE, State, Dept of (DOS), Substance Abuse & Mental Health Services Administration (SAMHSA), Veterans Affairs, Dept of (VA)

Insurance Industry Competition Act of 2009 - H.R. 1583, all provisions Financial System Stabilization and Reform Act of 2009 - H.R. 1754/S. 664, all provisions National Insurance Consumer Protection Act - H.R. 1880, all provisions Community Reinvestment Modernization Act of 2009 - H.R. 1479, all provisions Nonadmitted and Reinsurance Reform Act of 2009 - H.R. 2571/S. 1363, all provisions National Association of Registered Agents and Brokers Reform Act of 2009 - H.R. 2554, all provisions Insurance Information Act of 2009 - H.R. 2609, all provisions Health Insurance Industry Antitrust Enforcement Act - H.R. 3596/ S. 1681, all provisions Americas Health Future Act Legislation to reform the healthcare system - H.R. 3962/ H.R. 3590, all provisions Drywall Victims Insurance Protection Act of 2009 - H.R. 4094, all provisions Medicare Secondary Payer Enhancement Act of 2010 - H.R. 4796, all provisions Health Insurance Industry Fair Competition Act - H.R. 4626, all provisions

Client expense: $204,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1583 Insurance Industry Competition Act of 2009 (all provisions) H.R. 83 Homeowners Insurance Protection Act of 2009 (all provisions) H.R. 1525 Flood Insurance Technical Amendments (all provisions) Flood Insurance Reform and Modernization (generally) H.R. 1264 Multiple Peril Insurance Act of 2009 (all provisions) H.R. 1880 National Insurance Consumer Protection Act of 2009 (all provisions) Insurance Regulatory Reform (generally) H.R. 2554 NARAB Reform Act of 2009 (all provisions) S. 505 Commission on Catastrophic Disaster Risk and Insurance Act of 2009 (all provisions) Municipal Bond Regulation (generally) H.R. 2609 Insurance Information Act of 2009 (all provisions) Office of Insurance Information (generally) Systemic Risk Regulator/Overseer (generally) Financial Services Regulatory Restructuring (generally) Troubled Assets Relief Program (generally) H.R. 1105 FY 2009 Omnibus (flood insurance provisions) H.R. 1239 Property Mitigation Assistance Act of 2009 (all provisions) H.R. 635 National Commission on State Worker's Compensation Laws Act of 2009 (all provisions) Federal Resolution Authority (generally) Use of Credit Scores in Insurance Underwriting (generally) H.R. 2555 Homeowners Defense Act (all provisions) H.R. 2733 Fixed Indexed Annuities and Insurance Products Classification Act of 2009 (all provisions) H.R. 2571; S. 1363 Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 2918 Legislative Branch Appropriations of 2009 (Continuing Resolution) IMF Financial Sector Assesment Program (generally) H.R. 3326- Defense Appropriations Bill of 2009 (flood insurance provisions) H.R. 3139 Flood Insurance Reform & Modernization Act (all provisions) H.R. 4778 National FLood Insurance Program Extension Act of 2010 (all provisions) H.R. 4851 Continuing Extension Act of 2010 (flood insurance provisions) H.R. 5114 Flood Insurance Reform Priorities Act of 2010 (all provisions) H.R. 5553 National Flood Insurance Program Extension Act of 2010 (all provisions) H.R. 5569 National Flood Insurance Program Extension Act of 2010 (all provisions) S. 3814 National Flood Insurance Program Reextension Act of 2010 (all provisions) S. 3672 Coordination of Wind and Flood Perils Act of 2010 (all provisions) H.R. 5993 Securing America's Veterans Insurance Needs & Goals Act (all provisions) S. 3685 Insurance Competition And Transparency Act (all provisions) Broker-Dealer Fiduciary Standard (generally) S. 3994 Flood Insurance Affordability & Risk Notification Act (all provisions)

Client expense: $290,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Insurance and Tax Reform issues HR 1, S. 1, HR 1583, HR 436, HR1961, S. 401, HR 3200, HR 4173

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1583 (Mccarran-Ferguson). S. 819 (mandate autism coverage). HR 1253 (new plan disclosure rules). HR 1691/S. 688 (prohibit plan rescissions and establish minimum length of hospital stays for cancer patients) HR 1558/S. 623 (prohibit pre-existing condition exclusions; also HR 1619, S. 643, HR 1092) S. 442/ HR 1085 (to prohibit aggregate lifetime dollar limit) S> 697/HR 1721 (Long Term Care) H 975 (mammography mandate); HR 1339 (Mandate to cover deformities)

Client expense: $998,150 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE

SEE ADDENDUM PAGE SPECIFIC LEGISLATION: HR 83-ALL PROVISIONS RELATING TO NATURAL DISASTER INSURANCE HR 998-ALL PROVISIONS RELATING TO CATASTROPHE RESERVES HR 1264-ALL PROVISIONS RELATING TO ADDING WIND TO THE NFIP HR 1583-ALL PROVISIONS RELATING TO MCCARRAN-FERGUSON ACT HR 1754-ALL PROVISIONS RELATING TO SYSTEMIC RISK OF INSURANCE INDUSTRY HR 1880-ALL PROVISIONS RELATING TO FEDERAL INSURANCE REGULATION HR 2554-ALL PROVISIONS RELATING TO INSURANCE AGENT LICENSING HR 2555-ALL PROVISIONS RELATING TO NATURAL DISASTER INSURANCE HR 2571-ALL PROVISIONS RELATING TO SURPLUS LINES INSURANCE HR 2609-ALL PROVISIONS RELATING TO OFFICE OF INSURANCE INFORMATION HR 3126-ALL PROVISIONS RELATING TO CONSUMER FINANCIAL PROTECTION AGENCY HR 3200-ALL PROVISIONS RELATING TO HEALTHCARE REFORM HR 3269-ALL PROVISIONS RELATING TO EXECUTIVE COMPENSATION HR 3424-ALL PROVISIONS RELATING TO OFFSHORE AFFILIATED REINSURANCE TAXES HR 3962-ALL PROVISIONS RELATING TO MCCARRAN-FERGUSON ACT & FTC JURISDICTION HR 4173-ALL PROVISIONS RELATING TO REGULATION OF INSURANCE HR 4790-ALL PROVISIONS RELATING TO SHAREHOLDER VOTES ON CORP. POLITICAL ACTIVITY S 505-ALL PROVISIONS RELATING TO NATURAL DISASTER INSURANCE S 664-ALL ISSUES RELATED TO SYSTEMIC RISK & INSURANCE REGULATION S 886- ALL PROVISIONS RELATING TO STATE CATASTROPHE INSURANCE PROGRAMS S 1363-ALL PROVISIONS RELATING TO SURPLUS LINES INSURANCE ISSUES WITHOUT SPECIFIC LEGISLATION: ADMINISTRATIONS EXECUTIVE COMPENSATION LEGISLATIVE PROPOSAL ADMINISTRATIONS SYSTEMIC RISK LEGISLATIVE PROPOSAL ADMINISTRATION'S FINANCIAL REGULATORY REFORM PROPOSAL FEDERAL REINSURANCE REGULATORY MODERNIZATION PROPOSALS FEDERAL RESERVES SYSTEMIC RISK LEGISLATIVE PROPOSAL FINANCIAL REGULATION ISSUES FOREIGN REINSURANCE TAXATION PROPOSALS NATIONWIDE INSURANCE CO.S ENHANCED HOMEOWNER INSURANCE POLICY PROPOSAL NATURAL DISASTER INSURANCE ISSUES NON-BANK FINANCIAL SERVICES SEIZURE AUTHORITY ISSUES REINSURANCE COLLATERAL ISSUES STATE INSURANCE REGULATION ISSUES SYSTEMIC RISK REGULATION ISSUES TREASURYS OFFICE OF NATIONAL INSURANCE LEGISLATIVE PROPOSAL

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

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

Implementation of healthcare reform, including issues related to medical loss ratio, preventive services, rate review, claims and appeals, exchanges, star quality and frailty adjuster; S. 1681 / HR 3596, Health Insurance Industry Antitrust Enforcement Act of 2009 - McCarran-Ferguson antitrust exemption; HR 1583, Insurance Industry Competition Act of 2009 - McCarran-Ferguson antitrust exemption; S. 3078, Health Insurance Rate Authority Act - federal rate review process;

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

Implemention of healthcare reform, including comparative effectiveness research, Patient Centered Outcomes Research Institute (PCORI), health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, individual coverage requirement, premium assistance, federal rate review process, restrictions on rescissions, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program; S. 1681 / HR 3596, Health Insurance Industry Antitrust Enforcement Act of 2009 - McCarran-Ferguson antitrust exemption; HR 1583, Insurance Industry Competition Act of 2009 - McCarran-Ferguson antitrust exemption; S. 3078 Health Insurance Rate Authority Act - federal rate review process

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE

Implementation of healthcare reform, including issues related to medical loss ratio, preventive services, rate review, claims and appeals, exchanges, star quality and frailty adjuster; S. 1681 / HR 3596, Health Insurance Industry Antitrust Enforcement Act of 2009 - McCarran-Ferguson antitrust exemption; HR 1583, Insurance Industry Competition Act of 2009 - McCarran-Ferguson antitrust exemption; State Oversight of Premium Increases: S. 3078 and HR 4757, Health Insurance Rate Authority Act of 2010; federal rate review; existing state regulatory functions, federal exchanges, state exchanges; Grandfathering Rules: Interim final rule of June 14th; Flexibility to modify items that are not specifically prohibited; Medical Loss Ratios: Quality improvement definition; consistent reporting requirements for all insurers; transition for smaller states and plans; include benefits for individuals as well as populations; Dependent Health Coverage: IRS Guidelines on dependent coverage; coverage of individuals up to age 26 on their parents health insurance; Pre-Existing Condition Exclusions: Pre-existing conditions for children; guaranteed issue for children under age of 19; Lifetime and Annual Limits: lifetime and annual limits on essential health benefits; Rescissions and Patient Protections: Open Enrollment period; adverse selection implications; Affordable Private Health Care: insurer feees; realistic minimum benefit values; effective individual mandate; healthccare delivery system reforms; small employer tax credits; Health Care Quality: patient-centered primary care/medical home; health disparities; wellness; chronic care management; comparative effectiveness research; improved delivery of health care; evidence based care; healthcare delivery system reforms; Health Information Technology Standards: health information privacy; electronic health records; administrative simplification; ICD10 real time claims adjudication; Insurance Market Reform: individual market reform; small group market reform; guaranteed issue; community rating, health status rating, health savings accounts/medical savings accounts; individual mandate; MEWAs

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

HR 1583 Currency Reform for Fair Trade Act regarding China currency

Client expense: $690,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 1253, Health Insurance Restrictions and Limitations Clarification Act (Burgess) disclosure of coverage exclusions; H.R. 1583, Insurance Industry Competition Act (DeFazio) McCarran-Ferguson reforms (cont.) H.R. 1691, Breast Cancer Patient Protection Act (DeLauro) hospital stays for breast cancer patients; H.R. 1880, National Insurance Consumer Protection Act (Bean) regulatory reform; H.R. 2609, Insurance Information Act (Kanjorski) Federal Office of Insurance Information; H.R. 3217, Health Care Choice Act (Shadegg) national marketplace; H.R. 3584, Health Care Consumer Protection Act (Forbes) reinstatement of coverage upon payment of overdue premiums; H.R. 3596, Health Insurance Industry Antitrust Enforcement Act (Conyers) McCarran-Ferguson reforms; H.R. 4078, Long-Term Care Insurance Disclosure Act (Perriello) model disclosure form for long-term care insurance; H.R. 4563, Cancer Screening Coverage Act (Maloney) coverage requirement for cancer screening; H.R. 4626, Health Insurance Industry Fair Competition Act (Perriello) McCarran-Ferguson reforms; H.R. 4757, Health Insurance Rate Authority Act (Schakowsky) federal rate review process; H.R. 5000, Dental Coverage Value and Transparency Act (Andrews) requirements for dental coverage; H.R. 5297, Small Business Jobs Act (Frank) amendments on employer reporting requirement and individual coverage requirement; H.R. 5664, High Risk Pool Fairness Act (Ellsworth ) high risk pools; H.R. 5761 (Melancon) effective date for prohibition on rescissions; H.R. 5808 (Woolsey) government-run plan; H.R. 5844, Fairness in Medigap Options Act (Rothman) guarantee issue and open enrollment for Medigap policies; H.R. 5853, Fiscal Responsibility and Retirement Security Act (Boustany) delaying implementation of the CLASS program; H.R. 5890, Long-Term Care Insurance Reform Act (Doggett) regulation of LTC insurance; H.R. 5982, Small Business Tax Relief Act (Levin) employer reporting requirements; H.R. 6066, Preventing Social Security Fraud Act (Sanchez) requirements for private disability insurers; H.R. 6368, Federal Employee Disability Insurance Act (Holmes-Norton) supplemental disability insurance for federal employees; S. 688, Breast Cancer Patient Protection Act (Snowe) hospital stays for breast cancer patients; S. 1177, Confidence in Long-Term Care Insurance Act (Kohl) LTC consumer protections; S. 1459, Health Care Choice Act (DeMint) national marketplace; S. 1626, Long Term Care Insurance Integrity Act (Klobuchar) third party review of LTCI disputed claims; S. 1636, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) model disclosure forms for LTC insurance; S. 1681, Health Insurance Industry Antitrust Enforcement Act (Leahy) McCarran-Ferguson reforms; S. 3078, Health Insurance Rate Authority Act (Feinstein) federal rate review process; S. 3685 Insurance Competition and Transparency Act (Pryor) FTC authority; and S. 3793, Job Creation and Tax Cuts Act (Baucus) health coverage tax credit. INS (Regulatory) Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; issues relating to the coordination of benefits between private health insurance plans and Medicaid; Medigap claims processing and crossover fees; implementation of Medigap standardized plan offerings; Medigap carrier recoveries related to CMS fraud and abuse enforcement activities, and issues related to Medigap educational materials; implementation of the Mental Health Parity Act requirements; issues related to COBRA subsidy requirements, issues related to genetic nondiscrimination; medical loss ratios; review of rates for reasonableness; health insurance exchanges; pre-existing condition insurance plans; accountable care organizations; internal claims and appeals and external review processes; coverage of preventive services; pre-existing condition exclusions; lifetime and annual dollar limits on benefits rescissions; patient protections; grandfathered health plan provisions; health insurance web portal requirements; dependent coverage; and other issues relating to health care reform implementation.

Client expense: $2,330,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Drug Enforcement Administration (DEA), Executive Office of the President (EOP), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Medicare Payment Advisory Commission (MedPAC), Office of Personnel Management (OPM), SENATE, Social Security Administration (SSA), Treasury, Dept of

National Insurance Consumer Protection Act (H.R. 1880); Insurance industry regulatory reform (H.R. 1583); Highway Fairness and Reform Act (H.R. 2144, S. 903)

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

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

H.R. 74 - Financial Oversight Commission S. 505 - Homeowner's Defense Act of 2009 H.R. 1880 - National Insurance Consumer Protection Act H.R. 83 - Homeowner's Insurance Protection Act of 2009 H.R. 3962 - Affordable Health Care for Americans Act of 2009 H.R. 3200 - America's Affordable Health Choices Act of 2009 H.R. 1583 - Insurance Industry Competition Act of 2009 - to further competition in the insurance industry (repeals McCarran Ferguson) H.R. 1754 - To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. H.R. 1880 - National Insurance Consumer Protection Act - to establish a system of regulation and supervision for insuers, insurance agencies and insurance producers. H.R. 2554 - National Associatoin of Registered Agents and Brokers Reform Act of 2009 (NARAB II) H.R. 2571 / S. 1363 - Nonadmitted and Reinsurance Reform Act of 2009 H.R. 2609 - Insurance Information Act of 2009 - to establish an Office of Insurance Information in the Department of the Treasury S. 886 - Catastrophe Obligation Guarantee Act H.R. 1264 - Multiple Peril Insurance Act of 2009 H.R. 2592 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act, to enhance existing programs providing mitigation assistance by encouraging states to adopt and actively enforce State building codes. H.R. 2555 - Homeowner's Defense Act of 2009 H.R. 706 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act, to direct the Administrator of FEMA to continue to administer the National Urban Search and Rescue Response System H.R. 998 - To amend the Internal Revenue Code of 1986 to provide for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyhlders' claism arising from future catastrophic events. H.R. 1239 - To establish a homeowner mitigation loan program with the Federal Emergency Management Agency to promote pre-disaster property mitigation measures. H.R. 1746 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to reauthorize the pre-disaster mitigation program of the Federal Emergency Management Agency. H.R. 3596 / S. 1681 - Health Insurance Antitrust Enforcement Act of 2009 H.R. 3126 - Consumer Financial Protection Act H.R. 5114 - Flood Insurance Reform and Priorities Act of 2010 H.R. 5569 - National Flood Insurance Program H.R. 3590 - The Patient Protection and Affordable Health Care Act H.R. 4173 / S. 3217 - Dodd/Frank Act H.R. 5255 / S. 3347 - National Flood Insurance Program

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1583, Insurance Industry Competition Act of 2009 HR 3200, America's Affordable Health Choices Act of 2009 S 1681, Health Insurance Industry Antitrust Enforcement Act of 2009 S 560, Employee Free Choice Act

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See Attached HR 1583, Insurance Industry Competition Act of 2009 HR 1880, National Insurance Consumer Protection Act HR 2554, National Association of Registered Agents and Brokers Reform Act of 2009 HR 2571, Nonadmitted and Reinsurance Reform Act of 2009 HR 2609, Insurance Information Act of 2009 HR 3139, Natinal Flood Insurance Program Extension Act of 2010 HR 3139, National Flood Insurance Program Extension Act of 2009 HR 4164, A bill to amend the National Flood Insurance Act of 1968 to provide for a phased-in increase of chargeable premium rates for properties affected by updated Flood Insurance Rate Maps. HR 4213, American Workers, State and Business Relief Act of 2010 HR 4691, Temporary Extensions Act of 2010 HR 4778, Natinal Flood Insurance Program Extension Act of 2010 HR 4802, Risk Retention Modernization Act of 2010 HR 4851, Conitinuing Extention Act of 2010 HR 5114, Flood Insurance Reform Priorities Act HR 5297, Small Business Jobs Act of 2010 HR 5553, National Flood Insurance Program Extension Act of 2010 HR 5559, Flood Insurance Fairness Act of 2010 HR 5569, National Flood Insurance Program Extension Act of 2010 HR 5808, Amend PPACA to establish a public health insurance option HR 5982, Small Business Tax Relief Act of 2010 S 1363, Nonadmitted and Reinsurance Reform Act of 2009 S 3153, Conitnuing Extension Act of 2010 S 3203, A bill to extend the National Flood Insurance Program through May 31, 2010 S 3814, National Flood Insurance Reextension act of 2010

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1583, HR 3200, HR 3596, HR 3962, HR 635, S 1681, S 560, S 3685

Client expense: $1,170,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 1583, HR 1880, HR 2554, HR 2571, HR 2609, HR 3139, HR 3415, HR 4164, HR 4213, HR 4596, HR 4691, HR 4778, HR 4796, HR 4802, HR 4851, HR 5255, HR 5553, HR 5559, HR 5569, HR 6207, HR 6254, S 1363, S 3051, S 3109, S 3153, S 3203, S 3546, S 3672, HR 3685, S 3814

Client expense: $1,170,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 1583, the Insurance Industry Competition Act of 2009, which would make federal antitrust laws applicable to insurance companies by amending the McCarran-Ferguson Act to repeal the antitrust exemption for the "business of insurance"; S. 1681, the Health Insurance Industry Antitrust Enforcement Act of 2009; H.R. 3596, the Health Insurance Industry Antitrust Enforcement Act of 2009. Aministration (OSHA) regarding issues related to ergonomics; OSHA Comprehensive Infectious Disease Control Standards.

Client expense: $630,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Air Force, Dept of, Army, Dept of (Other), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Defense, Dept of (DOD), Drug Enforcement Administration (DEA), Environmental Protection Agency (EPA), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Indian Health Service, Natl Institutes of Health (NIH), Navy, Dept of, Occupational Safety & Health Administration (OSHA), SENATE, State, Dept of (DOS), Substance Abuse & Mental Health Services Administration (SAMHSA), Veterans Affairs, Dept of (VA)

Insurance Regulatory Reform - NAIFA supports principles underlying state regulation of insurance but also supports insurance regulatory reform and modernization that helps american families and businesses achieve financial security. HR 107, S. 219, Life Insurance Employee Notification Act which would require disclosure of employee-owned life insurance coverage of an employee. NAIFA supports. HR 2252 - NAIFA supports the COLI Best Practices Act, the House counterpart to S.219. House Resolution 912 & Senate Resolution 448 - Resolutions supporting "Life Insurance Awareness Month". NAIFA supports these resolutions. H.R. 1583 - Insurance Industry Competition Act of 2009 will amend the McCarran-Ferguson Act to grant the FTC and DOJ authority to enforce federal antitrust laws against the state regulated insurance industry. NAIFA opposes this bill as it will create a complicated, less efficient insurance regulatory regime. HR 5611 - National Association of Registered Agents and Brokers Reform Act (NARAB II). NAIFA supports this proposal to improve state-based reciprocal licensing inefficiencies without creating a federal regulator. HR 2609 - Insurance Information Act of 2009, would create an Office of Insurance Information within Department of Treasury. NAIFA supports. HR 1880 - National Insurance Consumer Protection Act (NICPA) would allow for an optional federal charter for insurance agents and companies, and also provide consumer protections and the establishment of a new Financial Services Coordinating council that would include the new National Insurance Commissioner to serve in an advisory capacity to a new systematic risk regulator. NAIFA supports introduction and is closely reviewing specifics of bill. HR 1705, S. 566 - Creates a Financial Product Safety Commission to provide consumers stronger protections and better information in connection with financial products and more regulatory certainty for providers. NAIFA opposes. S.40 & HR 3200 - National Insurance Act of 2007. NAIFA supports. HR 5297 - The Small Business Jobs Act would bring back a number of tax breaks that lapsed in December 2009. NAIFA supported. HR 5993 - The Securing America's Veterans Insurance Needs and Goals (Savings) Act of 2010 would require insurers with the SGLI program that offer retained asset accounts (RAAs) to provide information about the RAAs. NAIFA supports in principal.

Client expense: $315,000 · Firm income: Not reported

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

Implementation of healthcare reform legislation, health insurance cooperatives, multi-State plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, Federal rate review process restrictions on recissions, healthcare choice compacts, appeals procedures, disclosure requirements, high risk pool program - Executive Branch actions re PL 111-148 and PL 111-152. *Disclosure of coverage exclusions - HR 1253, To require that limitations and restrictions on coverage under group health plans be timely disclosed to group health plan sponsors and timely communicated to participants and beneficiaries under such plans in a form that is easily understandable. *McCarran Ferguson reforms - HR 1583, To further competition in the insurance industry; S 1681, Health Insurance Industry Antitrust Enforcement Act of 2009. *Recissions, hospital stays for breast cancer patients - HR 1691, To require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations; S 688, A bill to require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations. *Coverage requirement for cancer screening - HR 4563, Cancer Screening Coverage Act of 2009. *MCCarran-Ferguson antitrust exemption - HR 4626, Health Insurance Industry Fair Competition Act. *Regulatory reform - HR 1880, To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers. *LTC consumer protections - S 1177, A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. *Federal office of insurance information - HR 2609, To establish an Office of Insurance Information in the Department of the Treasury. *National marketplace - HR 3217, Health Care Choice Act of 2009; S 1459, A bill to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage offered in interstate commerce. *Reinstatement of coverage upon payment of overdue premiums - HR 3584, To amend the Public Health Service Act to require reinstatement upon payment of all premiums due of group or individual health insurance coverage terminated by reason of nonpayment of premiums. *Changes to McCarran-Ferguson Act - HR 3596, To ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers; S 1681, A bill to ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers. *High risk pools - HR 5664, High-Risk Pool Fairness Act. *Effective date for prohibitionon rescissions - HR 5761, To amend the Patient Protection and Affordable Care Act to expedite the application of the provision prohibiting rescissions of health insurance coverage. *Government-run plan - HR 5808, To amend the Patient Protection and Affordable Care Act to establish a public health insurance option. *Guarantee-issue and open enrollment for Medigap policies - HR 5844, Fairness in Medigap Options Act of 2010. *Delaying implementation of the CLASS program - HR 5853, Fiscal Responsibility and Retirement Security Act. *Regulations of LTC insurance - HR 5890, Long-Term Care Insurance Reform Act of 2010. *Third-party review of LTC insurance disputed claims - S 1626, A bill to require issuers of long term care insurance to establish third party review processes for disputed claims. *Model disclosure forms for LTC insurance - S 1636, A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance. *Model Disclosure form for long-term care insurance - HR 4078, To require the Secretary of Health and Human Services to develop a national model disclosure form to assist consumers in purchasing long-term care insurance. *Federal rate review process - HR 4757, Health Insurance Rate Authority Act of 2010; S 3078, Health Insurance Rate Authority Act of 2010. *Changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms - HR 4872, Health Care and Education Reconciliation Act of 2010. *Requirements for dental coverage - HR 5000, Dental Coverage Value and Transparency Act of 2010. *Employer reporting requirements - HR 5982, Small Business Tax Relief Act of 2010. *Requirements for private disability insurers - HR 6066, Preventing Social Security Fraud Act of 2010. *Supplemental disability insurance for Federal employees - HR 6368, Federal Employee Disability Insurance Act of 2010. *FTC authority - S 3685, Insurance Competition and Transparency Act of 2010. *Health coverage tax credit - S 3793, Job Creation and Tax Cuts Act of 2010.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1583-Insurance Industry Competition Act of 2009 H.R.635-National Commission on State Workers' Compensation Laws of 2009

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

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

Reauthorization of flood insurance, credit scoring and issues related to natural disasters H.R.1583-Insurance Industry Competition Act of 2009 H.R.2571-Nonadmitted and Reinsurance Reform Act of 2009 H.R.3996-Financial Stability Improvement Act, provisions relating to the Office of National Insurance H.R.5114-Flood Insurance Reform Priorities Act of 2010 H.R.2555-Homeowners Defense Act of 2009 H.R.1264-Multiple Peril Insurance Act of 2009 H.R.3590-Patient Protection and Affordable Care Act H.R.5569-National Flood Insurnace Program Extension Act of 2010 H.R.4173-Restoring American Financial Stability Act of 2010 S.3217-Restoring American Financial Stability Act of 2010

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

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

Improving the efficiency of the current regulatory system, whether by modifying the existing state system, creating an optional federal charter for insurance companies or through the creation of a Federal Office of Insurance Information. The Federal Insurance Office was incorporated into the Dodd-Frank Act, P.L. 111-203. "National Insurance Consumer Protection Act," H.R. 1880; "Insurance Information Act of 2009," H.R. 2609. H.R. 4173/S. 3217, the "Wall Street Reform and Consumer Protection Act/Restoring American Financial Stability Act" (RAFSA), which would: establish an Office of Insurance Information within the Department of Treasury; establish a "Consumer Financial Protection Bureau"; create a Financial Services Oversight Council to regulate Identified Financial Holding Companies (IFHCs); modify the standards for investment advisors and broker dealers; create a system for winding down the affairs of failing IFHCs (healthy firms with more than $50 billion in assets will be called upon to pay into a pre-funded resolution account); and impose proprietary trading restrictions on financial firms with FDIC depository institutions within their corporate structure. Federal Backstop for Natural Catastrophes - The legislation would authorize the Treasury Department to sell catastrophe reinsurance to state catastrophe funds, the "Homeowners' Defense Act of 2009," H.R. 2555. H.R. 1264, "Multiperil Insurance Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. H.R. 1583, "Insurance Industry Competition Act of 2009" - The Act would repeal the McCarran-Ferguson Act and grant the Department of Justice and the Federal Trade Commission the legal authority to apply antitrust laws to insurers' anticompetitive behavior. Various extensions of the National Flood Insurance Program (NFIP) including the "Legislative Branch Appropriations Act of 2010;" H.R. 3326, "Department of Defense Appropriations Act;" H.R. 5569; the "National Flood Insurance Program Extension Act of 2010;" H.R. 5114, the "Flood Insurance Reform Act," and P.L. 111-250, which reauthorized the NFIP until September 30, 2011.

Client expense: $560,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), Office of Thrift Supervision (OTS), SENATE, Transportation, Dept of (DOT), White House Office

H.R. 1583 Insurance Industry Competition Act of 2009 (all provisions) H.R. 83 Homeowners Insurance Protection Act of 2009 (all provisions) H.R. 1525 Flood Insurance Technical Amendments (all provisions) Flood Insurance Reform and Modernization (generally) H.R. 1264 Multiple Peril Insurance Act of 2009 (all provisions) H.R. 1880 National Insurance Consumer Protection Act of 2009 (all provisions) Insurance Regulatory Reform (generally) H.R. 2554 NARAB Reform Act of 2009 (all provisions) S. 505 Commission on Catastrophic Disaster Risk and Insurance Act of 2009 (all provisions) Municipal Bond Regulation (generally) H.R. 2609 Insurance Information Act of 2009 (all provisions) Office of Insurance Information (generally) Systemic Risk Regulator/Overseer (generally) Financial Services Regulatory Restructuring (generally) Troubled Assets Relief Program (generally) H.R. 1105 FY 2009 Omnibus (flood insurance provisions) H.R. 1239 Property Mitigation Assistance Act of 2009 (all provisions) H.R. 635 National Commission on State Worker's Compensation Laws Act of 2009 (all provisions) Federal Resolution Authority (generally) Use of Credit Scores in Insurance Underwriting (generally) H.R. 2555 Homeowners Defense Act (all provisions) H.R. 2733 Fixed Indexed Annuities and Insurance Products Classification Act of 2009 (all provisions) H.R. 2571; S. 1363 Nonadmitted and Reinsurance Reform Act (all provisions) H.R. 2918 Legislative Branch Appropriations of 2009 (Continuing Resolution) IMF Financial Sector Assesment Program (generally) H.R. 3326- Defense Appropriations Bill of 2009 (flood insurance provisions) H.R. 3139 Flood Insurance Reform & Modernization Act (all provisions) H.R. 4778 National FLood Insurance Program Extension Act of 2010 (all provisions) H.R. 4851 Continuing Extension Act of 2010 (flood insurance provisions) H.R. 5114 Flood Insurance Reform Priorities Act of 2010 (all provisions) H.R. 5553 National Flood Insurance Program Extension Act of 2010 (all provisions) H.R. 5569 National Flood Insurance Program Extension Act of 2010 (all provisions) S. 3814 National Flood Insurance Program Reextension Act of 2010 (all provisions) S. 3672 Coordination of Wind and Flood Perils Act of 2010 (all provisions) H.R. 5993 Securing America's Veterans Insurance Needs & Goals Act (all provisions) S. 3685 Insurance Competition And Transparency Act (all provisions) Broker-Dealer Fiduciary Standard (generally)

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

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Monitoring issues related to healthcare; entire bills of the following: H.R. 1797, Compete Act of 2009 H.R. 1583, Insurance Industry Competition Act of 2009 Healthy Mothers and Healthy Babies Access to Care Act (formerly S. 244) H.R.2975, Medical Practice Protection Act of 2009 H.R. 568 / S. 246, Veterans Health Care Quality Improvement Act H.R. 3400, Empowering Patients First Act S. 45, MCAP Act S. 391 / H.R.1321, Healthy Americans Act H.R. 1495, Comprehensive HealthCARE Act of 2009 H.R. 1086, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act of 2009 H.R. 1468, Medical Justice Act of 2009 H.R. 676, United States National Health Care Act or the Expanded and Improved Medicare for All Act H.R.5243, To amend the Patient Protection and Affordable Care Act to clarify that the Act does not affect standards or procedures in medical malpractice actions. (House) S.1578, A bill to amend chapter 171 of title 28, United States Code, (commonly referred to as the Federal Torts Claim Act) to extend medical malpractice coverage to free clinics and the officers, governing board members, employees, and contractors of free clinics in the same manner and extent as certain Federal officers and employees. H.R.1745, Family Health Care Accessibility Act of 2010 H.R.5690, Meaningful End to Defensive Medicine & Aimless Lawsuits (MedMal) Act of 2010 Monitoring implementation of electronic health records

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 83. Homeowners Insurance Protection Act (entire bill) H.R. 308/ S. 1364. Hurricane and Tornado Mitigation Investment Act (entire bills) H.R. 1583. To further competition in the insurance industry (Repeals McCarran-Furguson Act) (entire bills) H.R 327/ S. 1485. National Hurricane Research Initiative Act (entire bill) H.R. 988/ S. 1486. Policyholder Disaster Protection Act (entire bill) H.R. 1239. Property Mitigation Assistance Act (entire bill) H.R. 1264. Multi Peril Insurance Act (entire bill) S. 505. Homeowners Defense Act (entire bill) H.R. 1880. National Insurance Consumer Protection Act (entire bill) H.R. 1754/ S.664. Financial System Stabilization and Reform Act of 2009 (entire bill) S. 886. Catastrophe Obligation Guarantee Act (entire bill) H.R. 2555. Homeowners Defense Act of 2009 (entire bill) H.R. 2554. National Association of Registered Agents and Brokers Reform Act (entire bill) H.R. 2571/ S. 1363. Non-admitted and Reinsurance Reform Act H.R. 2609. Insurance Information Act (entire bill) H.R. 3596/ S. 1681. Health Insurance Industry Antitrust Enforcement Act (entire bill) S.1484. Catastrophe Savings Account Act (entire bill) S. 1487. Commission on Catastrophic Disaster Risk and Insurance Act (entire bill) H.R. 3139. National Flood Insurance Program Extension Act (entire bill) H.R. 3126/ H.R. 3639. Consumer Financial Protection Agency Act S. 1540. Resolution Reform Act of 2009 H.R. 4173. Wall Street Reform and Consumer Protection Act of 2009. (entire bill) H.R. 3817. Investor Protections Act of 2009. (entire bill) H.R. 3818. Private Fund Investment Advisors Registration Act of 2009. (entire bill) H.R. 3996. Financial Stability Improvement Act. (entire bill) S. 3217. Restoring America's Financial Stability Act (entire bill) H.R. 4778. National Flood Insurance Program Extension Act (entire bill) H.R. 4802. Risk Retention Modernization Act (entire bill) H.R. 4626. Health Insurance Industry Fair Competition Act (entire bill) H.R. 5114. Flood Insurance Reform Priorities Act (entire bill) H.R. 5255. Stable Flood Insurance Authorization Act (entire bill) S. 3347. To extend the NFIP though December 31, 2010 (entire bill) S. 3814. National Flood Insurance Program Re-extension Act (entire bill) S. 3685. Insurance Competition and Transparency Act (entire bill) S. 3546. Cheaper Car Insurance Act (entire bill)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT), Treasury, Dept of

Insurance Industry Competition Act of 2009 - H.R. 1583, all provisions Financial System Stabilization and Reform Act of 2009 - H.R. 1754/S. 664, all provisions National Insurance Consumer Protection Act - H.R. 1880, all provisions Community Reinvestment Modernization Act of 2009 - H.R. 1479, all provisions Nonadmitted and Reinsurance Reform Act of 2009 - H.R. 2571/S. 1363, all provisions National Association of Registered Agents and Brokers Reform Act of 2009 - H.R. 2554, all provisions Insurance Information Act of 2009 - H.R. 2609, all provisions Health Insurance Industry Antitrust Enforcement Act - H.R. 3596/ S. 1681, all provisions Americas Health Future Act Legislation to reform the healthcare system - H.R. 3962/ H.R. 3590, all provisions Drywall Victims Insurance Protection Act of 2009 - H.R. 4094, all provisions Medicare Secondary Payer Enhancement Act of 2010 - H.R. 4796, all provisions Health Insurance Industry Fair Competition Act - H.R. 4626, all provisions

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance and Tax Reform issues HR 1, S. 1, HR 1583, HR 436, HR1961, S. 401, HR 3200, HR 4173

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1583 (Mccarran-Ferguson). S. 819 (mandate autism coverage). HR 1253 (new plan disclosure rules). HR 1691/S. 688 (prohibit plan rescissions and establish minimum length of hospital stays for cancer patients) HR 1558/S. 623 (prohibit pre-existing condition exclusions; also HR 1619, S. 643, HR 1092) S. 442/ HR 1085 (to prohibit aggregate lifetime dollar limit) S> 697/HR 1721 (Long Term Care) H 975 (mammography mandate); HR 1339 (Mandate to cover deformities)

Client expense: $638,299 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE

HR 3590 / PL 111-148/152, Patient Protection and Affordable Care Act health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, restrictions on recissions, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program; HR 4872, Health Care Education Reconciliation Act changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; McCarran-Ferguson (S. 1681, HR 1583, HR 3596, S. 3217); S. 3078 Health Insurance Rate Authority Act - federal rate review process

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

HR 3590 / PL 111-148/152, Patient Protection and Affordable Care Act health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, restrictions on recissions, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program; HR 4872, Health Care Education Reconciliation Act changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; McCarran-Ferguson (S. 1681, HR 1583, HR 3596, S. 3217); S. 3078 Health Insurance Rate Authority Act - federal rate review process

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

HR 3590 / PL 111-148/152, Patient Protection and Affordable Care Act health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, restrictions on recissions, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program; HR 4872, Health Care Education Reconciliation Act changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; McCarran-Ferguson (S. 1681, HR 1583, HR 3596, S. 3217); S. 3078 Health Insurance Rate Authority Act - federal rate review process

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE