Fairness for Homeowners Act of 2009

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 (to create consumer protections against credit card abusive practices) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S566: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR627: Credit Cardholders' Bill of Rights Act of 2009 (to create consumer protections against credit card abusive practices) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1705: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate payday alternatives amendment (not yet introduced) (to create an alterative for abusive small-dollar loans) Senate FDIC payday standard (not yet introduced) (to create consumer protections for payday loan borrowers) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency FDIC GAO

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

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

Transparency in the Federal Reserve; 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173 and the (unnumbered) Dodd companion bill in the Senate, Restoring American Financial Stabiity Act. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March 2009). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. Testified in March 2010 before Senate Commerce Committee in support of stronger FTC authority in these areas. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Federak Reseve tranperancy; HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) Testified in support (9 Oct) of H.R. 2382, the Credit Card Interchange Fees Act of 2009. 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net including the Wall Street Reform and Consumer Protection Act--HR 4173. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from a high cost consumer credit transaction) S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 (to create consumer protections against credit card abusive practices) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S566: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR627: Credit Cardholders' Bill of Rights Act of 2009 (to create consumer protections against credit card abusive practices) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal default) HR1705: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency

Mortgage Reform: HR1728; Mortgage Services: HR 788; Mortgage Broker: HR1782

Client expense: $186,700 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 S257: Consumer Credit Fairness Act S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 S566: Financial Product Safety Commission Act of 2009 S585: Taxpayer Abuse Prevention Act HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 HR225: Emergency Homeownership and Equity Protection Act HR627: Credit Cardholders' Bill of Rights Act of 2009 HR1106: Helping Families Save their Homes Act of 2009 HR1214: Payday Loan Reform Act of 2009 HR1456: Consumer Overdraft Protection Fair Practices Act HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 HR1637: Universal Default Prohibition Act of 2009 HR 1705: Financial Product Safety Commission Act of 2009 HR1728: Mortgage Reform and Anti-Predatory Lending Act HR1782: Fairness for Homeowners Act of 2009 HR 1846: Consumer Lending Education And Reform Act HR 2309: Consumer Credit and Debt Protection Act HR 2563: Payday Lending Reform Act of 2009 H.R. 3126: Consumer Financial Protection Agency Act of 2009 H.R. 3639: Expedited CARD Reform for Consumers Act of 2009 Senate overdraft bill (not yet introduced) Senate Consumer Financial Protection Agency bill (not yet introduced)

Mortgage Reform: HR1728; Mortgage Services: HR 788; Mortgage Broker: HR1782

Client expense: $187,260 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 S257: Consumer Credit Fairness Act S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 S566: Financial Product Safety Commission Act of 2009 S585: Taxpayer Abuse Prevention Act HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 HR225: Emergency Homeownership and Equity Protection Act HR627: Credit Cardholders' Bill of Rights Act of 2009 HR1106: Helping Families Save their Homes Act of 2009 HR1214: Payday Loan Reform Act of 2009 HR1456: Consumer Overdraft Protection Fair Practices Act HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 HR1637: Universal Default Prohibition Act of 2009 HR 1705: Financial Product Safety Commission Act of 2009 HR1728: Mortgage Reform and Anti-Predatory Lending Act HR1782: Fairness for Homeowners Act of 2009 HR 1846: Consumer Lending Education And Reform Act HR 2309: Consumer Credit and Debt Protection Act HR 2563: Payday Lending Reform Act of 2009 H.R. 3126: Consumer Financial Protection Agency Act of 2009 H.R. 3639: Expedited CARD Reform for Consumers Act of 2009 Senate overdraft bill (not yet introduced) Senate Consumer Financial Protection Agency bill (not yet introduced)

HR 2492, To amend the Internal Revenue Code of 1986 to exclude from gross income discharges of student loans the repayment of which is income contingent or income based, all provisions. Ending the use of offshore tax havens. Transparency in the Federal Reserve. 1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and renamed Consumer Financial Protection Agency (HR 3126) and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC. 8) In various fora, urged administration, State and USTR to support international financial rules as floor not ceiling of consumer protection; 9) Support S 1595, Deceptive Loan Check Elimination Act.

Mortgage Reform: HR1728; Mortgage Services: HR788; Mortgage Broker: HR1782

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S61: Helping Families Save their Homes in Bankruptcy Act of 2009 S257: Consumer Credit Fairness Act S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 S566: Financial Product Safety Commission Act of 2009 S585: Taxpayer Abuse Prevention Act HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 HR225: Emergency Homeownership and Equity Protection Act HR627: Credit Cardholders' Bill of Rights Act of 2009 HR1106: Helping Families Save their Homes Act of 2009 HR1214: Payday Loan Reform Act of 2009 HR1456: Consumer Overdraft Protection Fair Practices Act HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 HR1637: Universal Default Prohibition Act of 2009 HR 1705: Financial Product Safety Commission Act of 2009 HR1728: Mortgage Reform and Anti-Predatory Lending Act HR1782: Fairness for Homeowners Act of 2009 HR 1846: Consumer Lending Education And Reform Act HR 2309: Consumer Credit and Debt Protection Act HR 2563: Payday Lending Reform Act of 2009

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

1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Testified in House. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act, which became law. (As part of HR 627, unsuccessfully supported efforts to make interchange fees fairer and extend bill to include small business owners.) 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, testified, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and other reforms to expand prudential regulation and improve safety net. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House in March). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. 8) urged administration/DOJ to support state causes of actions/state attorneys general enforcement authority in various state and federal cases including Cuomo vs. Clearinghouse and OCC.

Mortgage Reform: HR1728; Mortgage Services: HR788; Mortgage Broker: HR1782

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1) Reform Credit Card Practices. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of unfair practices of credit card industry. Testified in House. Bills include S 414, Credit CARD Act; HR 627, Credit Cardholders Bill of Rights Act; 2) Reform Mortgage Practices and Reform Financial Services Regulation. Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of mortgage and predatory lending. Bills included HR 1728 and HR 1782 on mortgage reform, supporting in part and opposing in part. 3) Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform of financial industry by establishment of Financial Product Safety Commission, S. 566 and HR 1705 and other reforms. 4) Support efforts against unfair bank fees, including support for HR 1456, the Consumer Overdraft Protection Fair Practices Act (testified in House). 5) Support reinstatement of federal usury ceilings on financial transactions (S. 500/HR 1608). 6) Support efforts to implement strong consumer and transparency protections in regulations and enforcement of the Emergency Economic Stabilization Act (HR 1424-Division A, became PL 110-343) and related bills. Supported bills including HR 384 and S 195 to reform the Troubled Asset Relief Program (TARP) and other programs established either by EESA or by federal regulators concerning financial reform and bailout funding. These and other similar bills would restore original purposes of bailout funds, increase transparency, limit executive compensation, grant greater authority to oversight agencies, etc. 7) Supported Section 626 of HR 1105 (Omnibus Appropriations) to grant greater authority to FTC and state attorneys general to better protect consumers against financial fraud and impose greater sanctions against wrongdoers. Regarding the Troubled Asset Relief Program (TARP), specifically additional oversight and transparency measures. S.195 (initially) in the Senate, but meeting were more generally focused on more robust measures that have yet to be introduced.

S61: Helping Families Save their Homes in Bankruptcy Act of 2009 S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 S566: Financial Product Safety Commission Act of 2009 HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 HR225: Emergency Homeownership and Equity Protection Act HR627: Credit Cardholders' Bill of Rights Act of 2009 HR1106: Helping Families Save their Homes Act of 2009 HR1214: Payday Loan Reform Act of 2009 HR1456: Consumer Overdraft Protection Fair Practices Act HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 HR1637: Universal Default Prohibition Act of 2009 HR1728: Mortgage Reform and Anti-Predatory Lending Act HR1782: Fairness for Homeowners Act of 2009

Client expense: $180,000 · Firm income: Not reported

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