IRE Act

Legislation: Executive Compensation (H.R.1664, H.R.1575, H.R.1586); Credit Card Legislation (S.414, H.R.627); Interstate Taxation (H.R.1083); Systemic Risk Regulation; Appropriations, including real estate brokerage & FTC & State AG rules (H.R.1105); Credit Union Legislation; Fair Value Accounting; Bankruptcy Cramdown & FDIC Reform (H.R.1106, S.61, S.541, H.R.200); Mortgage Loan Modification; Economic Stimulus (H.R.598, H.R.1); Deposit Insurance Increase (S.896, H.R.786), cont'd. Hope for Homeowners (H.R.787); Mortgage Servicing (H.R.788); TARP (H.R.384, H.J.Res.3); Administration's Regulatory Reform Proposal; TARP Legislation (H.R.1610, H.R.1652, H.R.1656); Usury Ceilings (H.R.1608, H.R.1640); Financial Literacy (H.R.1645); Pension Legislation (H.R. 1629); Universal Default (H.R. 1637); Interchange Legislation (H.R.2382, H.R.2695); "Bank Accountability and Risk Assessment Act" (H.R.2897); Data Protection (H.R.2221); Mortgage Legislation (H.R.1708); SBA Authorization (H.R.3614); Credit CARD Act effective date (H.R.3639); Student Loans (H.R. 3221), Overdraft Restrictions; Consumer Financial Protection Agency (H.R.3126); Corporate Compensation (H.R.3269); Mandatory Farm Loan Restructuring; FDIC Resolution Authority (S.1540); Credit Union Business Lending (H.R.3380, S.2919); Treasury regulatory restructuring bills (H.R.4173, H.R.3818, H.R. 3817, H.R. 3890, H.R.3126, H.R. 3795). Legislation: Glass-Steagall Act (S.2886, H.R.475), Tax Extenders (H.R.4213); Estate Tax Extension (H.R.4154); Securities Transaction Tax (H.R.4191); NOL legislation; Credit Card legislation (S.1927, H.R. 3639); Investor Protection Act (H.R. 3817); Small Business Lending (H.R.3854); Overdraft Protection Act (H.R.3904). Regulation: Overdraft Fees; FRB Regulation E; TARP Program, including CPP, PPIP, TALF, TLGP; TIP; MMIFF; AMLF; CAP; Loan Modification; FDIC Deposit Insurance Premiums; SEC Accounting Issues; Capital Adequacy Requirements; Reg Z (Truth in Lending); Deposit Insurance Assessments; Regulations on Loans to Affiliates; Remote Deposit Capture; Executive Pay Guidelines; Regulation DD (Truth in Savings); Unfair & Deceptive Acts & Practices Regulation; Reserve Requirement (Reg D); Deposit Insurance Regulations; CRA Regulations; Transaction Account Guarantee Program; SBA Regs; Identity Theft and Privacy Rules; MLO regulations; Legacy securities and Legacy Loans Program; Reserve Requirements (Reg D); State Law Preemption; SEC Short-Sales Rules; Privacy (Reg S); IRS Regs (F-BAR); RESPA Regs; Flood Insurance; Credit CARD Act Regulation; Basel Committees Capital & Liquidity Standards; SEC Proxy & Information disclosures; FDIC Accounting Rules; Fed Gift Card Rules; Unlawful Internet Gambling Act Regulations; Fed Overdraft Regs; CRE.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Issues related to mortgage lending including bankruptcy issues which includes the following legislation: H.R. 1106 - Helping Families Save Their Homes Act of 2009; S. 61 - Helping Families Save Thier Homes in Bankruptcy Act of 2009; H.R. 200 - Helping Families Save Their Homes Act of 2009; H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act Issues related to consumer deposit accounts and credit cards including interchange which includues the following legislation: H.R. 627 - Credit Cardholder Bill of Rights of 2009; S. 414 - Credit Card Accountability, Responsibility and Disclosure Act of 2009; S. 392- Credit Card Reform Act of 2009; S. 235 - Credit Cardholder Bill of Rights of 2009; S. 500 - Protecting Consumers from Unreasonable Credit Rates Act; S. 257 - Consumer Credit Fairness Act; H.R. 1610 - Interest Rate Equity (RE) Act; H.R. 1365 - [No short title] - bill that requires businesses that offer credit cards to post signs with disclosures; H.R. 1637 - Universal Default Prohibition Act of 2009; S. 399 - Universal Default Prohibition Act of 2009; S. 165 - Student Credit Card Protection Act of 2009. Issues related to arbitration provisions in consumer contracts which includes the following legislation: H.R. 1020 - Arbitration Fairness Act; H.R. 1237 - Fairness in Nursing Home Arbitration Act; S. 512 - Fairness in Arbitration Act; H.R. 991 - Consumer Fairness Act; H.R. 1214 - Payday Loan Reform Act of 2009; S. 263 - Servicemembers Access to Justice Act of 2009 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 Issues related to regulatory reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 Issues related to mortgage lending S 896 - Helping Families Save Their Homes Act of 2009 Issues related to Interchange H.R. 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 H.R. 2382 - Credit Card Interchange Fees Act of 2009 Issues related to Overdraft Programs H.R. 1456 - Consumer Overdraft Protection Fair Practices Act S 1799 - Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 H.R. 1487 - Overdraft Fee Notification Act Other H.R. 1105 - Fiscal 2009 Omnibus Appropriations H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 1105 - Omnibus Appropriations Act of 2009 H.R. 1214- Payday Loan Reform Act lof 2009

Legislation: Executive Compensation (H.R.1664, H.R.1575, H.R.1586); Credit Card Legislation (S.414, H.R.627); Interstate Taxation (H.R.1083); Systemic Risk Regulation; Appropriations, including real estate brokerage & FTC & State AG rules (H.R.1105); Credit Union Legislation; Fair Value Accounting; Bankruptcy Cramdown & FDIC Reform (H.R.1106, S.61, S.541, H.R.200); Mortgage Loan Modification; Economic Stimulus (H.R.598, H.R.1); Deposit Insurance Increase (S.896, H.R.786), cont'd. Hope for Homeowners (H.R.787); Mortgage Servicing (H.R.788); TARP (H.R.384, H.J.Res.3); Administration's Regulatory Reform Proposal; TARP Legislation (H.R.1610, H.R.1652, H.R.1656); Usury Ceilings (H.R.1608, H.R.1640); Financial Literacy (H.R.1645); Pension Legislation (H.R. 1629); Universal Default (H.R. 1637); Interchange Legislation (H.R.2382, H.R.2695); "Bank Accountability and Risk Assessment Act" (H.R.2897); Data Protection (H.R.2221); Mortgage Legislation (H.R.1708); SBA Authorization (H.R.3614); Credit CARD Act effective date (H.R.3639); Student Loans (H.R. 3221), Overdraft Restrictions; Consumer Financial Protection Agency (H.R.3126); Corporate Compensation (H.R.3269); Mandatory Farm Loan Restructuring; FDIC Resolution Authority (S.1540); Credit Union Business Lending (H.R.3380); Treasury regulatory restructuring bills.. Regulation: Overdraft Fees; FRB Regulation E; TARP Program, including CPP, PPIP, TALF, TLGP; TIP; MMIFF; AMLF; CAP; Loan Modification; FDIC Deposit Insurance Premiums; SEC Accounting Issues; Capital Adequacy Requirements; Reg Z (Truth in Lending); Deposit Insurance Assessments; Regulations on Loans to Affiliates; Remote Deposit Capture; Executive Pay Guidelines; Regulation DD (Truth in Savings); Unfair & Deceptive Acts & Practices Regulation; Reserve Requirement (Reg D); Deposit Insurance Regulations; CRA Regulations; Transaction Account Guarantee Program; SBA Regs; Identity Theft and Privacy Rules; MLO regulations; Legacy securities and Legacy Loans Program; Reserve Requirements (Reg D); State Law Preemption; SEC Short-Sales Rules; Privacy (Reg S); IRS Regs (F-BAR); RESPA Regs; Flood Insurance; Credit CARD Act Regulation.

Issues related to the regulation of consumer financial products, including S. 566 (the Financial Product Safety Commission Act) and H.R. 1705 (companion legislation to S. 566); Issues involving payment cards, interchange fees, and card issuer practices, including H.R. 2382 (the Credit Card Interchange Fees Act), H.R. 2695 (the Credit Card Fair Fee Act), S. 1212 (the Credit Card Fair Fee Act), S. 414 (the Credit Card Accountability Responsibility and Disclosure Act), H.R. 627 (the Credit Cardholders Bill of Rights Act), S. 325 (the Credit Cardholders Bill of Rights Act), S. 392 (the Credit Card Reform Act), S. 399 (the Universal Default Prohibition Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1608 (the Protecting Consumers from Unreasonable Credit Rates Act) and S. 500 (companion legislation to H.R. 1608), H.R. 1610 (the Interest Rate Equity Act), H.R. 2007 (the American Credit Card Reform Act), S. 710 (the Fair Gift Card Act), S. 165 (the Student Credit Card Protection Act), S. 900 (the Credit Card Safety Star Act), and provisions in H.R. 3170 (the Financial Services and General Government Appropriations Act); Issues pertaining to data security, security breach notification, and mitigation of harm resulting from security breaches, including H.R. 2221 (the Data Accountability and Trust Act), S. 139 (the Data Breach Notification Act), and S. 1070 (a bill to establish the Small Business Information Security Task Force); Issues involving the bankruptcy code, including S. 257 (the Consumer Credit Fairness Act); Issues related to federal agency enforcement authority, including H.R. 2309 (the Consumer Credit and Debt Protection Act); and market access issues in global markets. Issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525); Issues related to the regulation of Internet gambling, including H.R. 2266 (the Reasonable Prudence in Regulation Act), H.R. 2267 (the Internet Gambling Regulation, Consumer Protection, and Enforcement Act), and H.R. 2268 (the Internet Gambling Regulation and Tax Enforcement Act);

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009, provisions relating to credit card practices H.R. 627/S. 235, the Credit Cardholders Bill of Rights, provisions relating to credit card practices S. 710, the Fair Gift Card Act of 2009, provisions relating to certain fees Issues relating to merchant interchange fees Issues relating to Payment Card Industry Data Security Standards H.R. 1105, the Omnibus Appropriations Act of 2009, provisions relating to FTC/state attorney general enforcement of the Truth Lending Act H.R. 1610, Interest Rate Equity Act, provisions relating to an interest rate cap H.R. 2382 Credit Card Interchange Fee Act, provisions related to merchant interchange fees H.R. 2695 Credit Card Fair Fee Act, provisions related to merchant interchange fees S. 1212, Credit Card Fair fee Act, provisions related to merchant interchange fees H.R. 2221 - Data Accountability and Trust Act of 2009, provisions related to data security and consumer privacy

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

Issues related to mortgage lending including bankruptcy issues which includes the following legislation: H.R. 1106 - Helping Families Save Their Homes Act of 2009; S. 61 - Helping Families Save Thier Homes in Bankruptcy Act of 2009; H.R. 200 - Helping Families Save Their Homes Act of 2009; H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act Issues related to consumer deposit accounts and credit cards including interchange which includues the following legislation: H.R. 627 - Credit Cardholder Bill of Rights of 2009; S. 414 - Credit Card Accountability, Responsibility and Disclosure Act of 2009; S. 392- Credit Card Reform Act of 2009; S. 235 - Credit Cardholder Bill of Rights of 2009; S. 500 - Protecting Consumers from Unreasonable Credit Rates Act; S. 257 - Consumer Credit Fairness Act; H.R. 1610 - Interest Rate Equity (RE) Act; H.R. 1365 - [No short title] - bill that requires businesses that offer credit cards to post signs with disclosures; H.R. 1637 - Universal Default Prohibition Act of 2009; S. 399 - Universal Default Prohibition Act of 2009; S. 165 - Student Credit Card Protection Act of 2009; H.R. 1487 - Overdraft Fee Notification Act; H.R. 1456 - Overdraft Protection Fair Practices Act of 2009 Issues related to arbitration provisions in consumer contracts which includes the following legislation: H.R. 1020 - Arbitration Fairness Act; H.R. 1237 - Fairness in Nursing Home Arbitration Act; S. 512 - Fairness in Arbitration Act; H.R. 991 - Consumer Fairness Act; H.R. 1214 - Payday Loan Reform Act of 2009; S. 263 - Servicemembers Access to Justice Act of 2009 Issues related to Student Lending - HR 3221 - Student Aid and Fiscal Responsibility Act of 2009 Issues related to regulatory reform - HR 3126 - Consumer Financial Protection Agency of 2009 Issues related to mortgage lending S 896 - Helping Families Save Their Homes Act of 2009 Issues related to Interchange HR 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 HR 2382 - Credit Card Interchange Fees Act of 2009 Other HR 1105 - Fiscal 2009 Omnibus Appropriations HR 2309 - Consumer Credit and Debt Collection Act HR 2221 - Data Accountabiliy and Trust Act H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 1105 - Omnibus Appropriations Act of 2009 H.R. 1214- Payday Loan Reform Act lof 2009

Legislation: Executive Compensation (H.R.1664, H.R.1575, H.R.1586); Credit Card Legislation (S.414, H.R.627); Interstate Taxation (H.R.1083); Systemic Risk Regulation; Appropriations, including real estate brokerage & FTC & State AG rules (H.R.1105); Credit Union Legislation; Fair Value Accounting; Bankruptcy Cramdown & FDIC Reform (H.R.1106, S.61, S.541, H.R.200); Mortgage Loan Modification; Economic Stimulus (H.R.598, H.R.1); Deposit Insurance Increase (S.896, H.R.786), cont'd. Hope for Homeowners (H.R.787); Mortgage Servicing (H.R.788); TARP (H.R.384, H.J.Res.3); Administration's Regulatory Reform Proposal; TARP Legislation (H.R.1610, H.R.1652, H.R.1656); Usury Ceilings (H.R.1608, H.R.1640); Financial Literacy (H.R.1645); Pension Legislation (H.R. 1629); Universal Default (H.R. 1637); Interchange Legislation (H.R.2382, H.R.2695); "Bank Accountability and Risk Assessment Act" (H.R.2897); Data Protection (H.R.2221); Mortgage Legislation (H.R.1708). Regulation: Overdraft Fees; FRB Regulation E; TARP Program, including CPP, PPIP, TALF, TLGP; TIP; MMIFF; AMLF; CAP; Loan Modification; FDIC Deposit Insurance Premiums; SEC Accounting Issues; Capital Adequacy Requirements; Reg Z (Truth in Lending); Deposit Insurance Assessments; Regulations on Loans to Affiliates; Remote Deposit Capture; Executive Pay Guidelines; Regulation DD (Truth in Savings); Unfair & Deceptive Acts & Practices Regulation; Reserve Requirement (Reg D); Deposit Insurance Regulations; CRA Regulations; Transaction Account Guarantee Program; SBA Regs; Identity Theft and Privacy Rules; MLO regulations; Legacy securities and Legacy Loans Program; Reserve Requirements (Reg D); State Law Preemption; SEC Short-Sales Rules.

Client expense: $200,000 · Firm income: Not reported

Issues involving payment cards, interchange fees, and card issuer practices, including H.R. 2382 (the Credit Card Interchange Fees Act), H.R. 2695 (the Credit Card Fair Fee Act), S. 1212 (the Credit Card Fair Fee Act), S. 414 (the Credit Card Accountability Responsibility and Disclosure Act), H.R. 627 (the Credit Cardholders Bill of Rights Act), S. 325 (the Credit Cardholders Bill of Rights Act), S. 392 (the Credit Card Reform Act), S. 399 (the Universal Default Prohibition Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1608 (the Protecting Consumers from Unreasonable Credit Rates Act) and S. 500 (companion legislation to H.R. 1608), H.R. 1610 (the Interest Rate Equity Act), H.R. 2007 (the American Credit Card Reform Act), S. 710 (the Fair Gift Card Act), S. 165 (the Student Credit Card Protection Act), S. 900 (the Credit Card Safety Star Act), and provisions in H.R. 3170 (the Financial Services and General Government Appropriations Act); issues involving the bankruptcy code, including S. 257 (the Consumer Credit Fairness Act); issues related to the regulation of consumer financial products, including S. 566 (the Financial Product Safety Commission Act) and H.R. 1705 (companion legislation to S. 566); issues pertaining to data security, security breach notification, and mitigation of harm resulting from security breaches, including H.R. 2221 (the Data Accountability and Trust Act), S. 139 (the Data Breach Notification Act), and S. 1070 (a bill to establish the Small Business Information Security Task Force); issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525); issues related to the regulation of Internet gambling, including H.R. 2266 (the Reasonable Prudence in Regulation Act), H.R. 2267 (the Internet Gambling Regulation, Consumer Protection, and Enforcement Act), and H.R. 2268 (the Internet Gambling Regulation and Tax Enforcement Act); issues related to federal agency enforcement authority, including H.R. 2309 (the Consumer Credit and Debt Protection Act); and market access issues in global markets.

Issues related to mortgage lending including bankruptcy issues which includes the following legislation: H.R. 1106 - Helping Families Save Their Homes Act of 2009; S. 61 - Helping Families Save Thier Homes in Bankruptcy Act of 2009; H.R. 200 - Helping Families Save Their Homes Act of 2009; H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act Issues related to consumer deposit accounts and credit cards including interchange which includues the following legislation: H.R. 627 - Credit Cardholder Bill of Rights of 2009; S. 414 - Credit Card Accountability, Responsibility and Disclosure Act of 2009; S. 392- Credit Card Reform Act of 2009; S. 235 - Credit Cardholder Bill of Rights of 2009; S. 500 - Protecting Consumers from Unreasonable Credit Rates Act; S. 257 - Consumer Credit Fairness Act; H.R. 1610 - Interest Rate Equity (RE) Act; H.R. 1365 - [No short title] - bill that requires businesses that offer credit cards to post signs with disclosures; H.R. 1637 - Universal Default Prohibition Act of 2009; S. 399 - Universal Default Prohibition Act of 2009; S. 165 - Student Credit Card Protection Act of 2009; H.R. 1487 - Overdraft Fee Notification Act; H.R. 1456 - Overdraft Protection Fair Practices Act of 2009 Issues related to arbitration provisions in consumer contracts which includes the following legislation: H.R. 1020 - Arbitration Fairness Act; H.R. 1237 - Fairness in Nursing Home Arbitration Act; S. 512 - Fairness in Arbitration Act; H.R. 991 - Consumer Fairness Act; H.R. 1214 - Payday Loan Reform Act of 2009; S. 263 - Servicemembers Access to Justice Act of 2009 All other legislation which includes the following: H.R. 1479 - Community Reinvestment Modernization Act of 2009; H.R. 1105 - Omnibus Appropriations Act of 2009; H.R. 1214- Payday Loan Reform Act lof 2009

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

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009, provisions relating to credit card practices H.R. 627/S. 235, the Credit Cardholders Bill of Rights, provisions relating to credit card practices S. 710, the Fair Gift Card Act of 2009, provisions relating to certain fees Issues relating to merchant interchange fees Issues relating to Payment Card Industry Data Security Standards H.R. 1105, the Omnibus Appropriations Act of 2009, provisions relating to FTC/state attorney general enforcement of the Truth Lending Act H.R. 1610, Interest Rate Equity Act, provisions relating to an interest rate cap

Client expense: $830,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Postal Service (USPS), White House Office

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009, provisions relating to credit card practices H.R. 627/S. 235, the Credit Cardholders Bill of Rights, provisions relating to credit card practices S. 710, the Fair Gift Card Act of 2009, provisions relating to certain fees Issues relating to merchant interchange fees Issues relating to Payment Card Industry Data Security Standards H.R. 1105, the Omnibus Appropriations Act of 2009, provisions relating to FTC/state attorney general enforcement of the Truth Lending Act H.R. 1610, Interest Rate Equity Act, provisions relating to an interest rate cap

Client expense: $830,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Postal Service (USPS), White House Office

Legislation: Executive Compensation (H.R.1664, H.R.1575, H.R.1586); Credit Card Legislation (S.414, H.R.627); Interstate Taxation (H.R.1083); Systemic Risk Regulation; Appropriations, including real estate brokerage & FTC & State AG rules (H.R.1105); Credit Union Legislation; Fair Value Accounting; Bankruptcy Cramdown & FDIC Reform (H.R.1106, S.61, S.541, H.R.200); Mortgage Loan Modification; Economic Stimulus (H.R.598, H.R.1); Deposit Insurance Increase (H.R.786), cont'd. Hope for Homeowners (H.R.787); Mortgage Servicing (H.R.788); TARP (H.R.384, H.J.Res.3). Regulation: Overdraft Fees; FRB Regulation E; TARP Program, including CPP, PPIP, TALF, TLGP; TIP; MMIFF; AMLF; CAP; Loan Modification; FDIC Deposit Insurance Premiums; SEC Accounting Issues; Capital Adequacy Requirements; Reg Z (Truth in Lending); Deposit Insurance Assessments; Regulations on Loans to Affiliates; Remote Deposit Capture; Executive Pay Guidelines; Regulation DD (Truth in Savings); Unfair & Deceptive Acts & Practices Regulation; Reserve Requirement (Reg D); Deposit Insurance Regulations; CRA Regulations; TARP Legislation (H.R.1610, H.R.1652, H.R.1656); Usury Ceilings (H.R.1608, H.R.1640); Financial Literacy (H.R.1645); Pension Legislation (H.R. 1629); Universal Default (H.R. 1637).

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