Payday Lending Reform Act of 2009

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

general financial services issues and issues pertaining to the company, Bills- S.3632, HR 1214, HR 2563, HR 1846, HR 1608

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) 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

Legislation of the deferred desposit industry including H.R. 2309, Consumer Credit and Debt Protection Act; H.R. 1214, the Payday Loan Reform Act; H.R. 1846, the CLEAR Act; H.R. 1640, the Interest Rate Reduction Act, H.R. 1608 and S. 500, the Protecting Consumers from Unreasonable Credit Rates Act; and H.R. 2563, the Payday Lending Reform Act and the Restoring American Financial Stability Act, including regulation of non-bank lenders.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General financial services issues and issues pertaining to the company. Bills S.3632, H.R. 1214, H.R. 2563, H.R. 1846, H.R. 1608

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: $175,000 · 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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2563, Payday Lending Reform Act of 2009, all provisions; S. 500/HR 1608 - Protecting Consumers from Unreasonable Credit Rates Act of 2009, all provisions; HR 1846, Consumer Lending Education and Reform Act, all provisions; HR 1214 Payday Loan Reform Act of 2009, all provisions, to establish additional payday loan disclosure requirements and other protections for consumers, and for other purposes. S. 2824 Title: A bill to establish a small dollar loan-loss guarantee fund, and for other purposes. S. 257 - Consumer Credit Fairness Act, all provisions; H.R. 3126 Consumer Financial Protection Agency Act of 2009, all provisions. Sen. Dodd Mark-up/Reg Reform, no bill number H.R. 4173, Wall Street Reform and Consumer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.500/H.R.1608, Protecting Consumers from Unreasonable Credit Rates Act of 2009; H.R.1640, Interest Rate Reduction Act; S.566, Financial Product Safety Commission Act of 2009; H.R.1214, Payday Loan Reform Act of 2009; S.582, Interest Rate Reduction Act; H.R.1846, C.L.E.A.R. Act; H.R.2309, Consumer Credit and Debt Act. S.257, Consumer Credit Fairness Act; H.R.2563, Payday Lending Reform Act of 2009; S.414, Credit CARD Act of 2009; H.R.4173, Consumer Financial Protection Agency Act of 2009; Safe Affordable Loan Act (Kohl); Issues related to amending the Truth in Lending Act and the Regulation Reform Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3126- Consumer Financial Protection Agency Act, Rep. Luis Gutierrez rate cap amendment 001, withdrawn from House Financial Services Markup of H.R. 3126, Rep. Jackie Speier rate cap amendment 002, withdrawn from House Financial Services Committe Markup of H.R. 3126; H.R. 4173 The Wall Street Reform and Consumer Protection Act of 2009- H.AMDT.538, Minnick amendment, creation of the Consumer Financial Protection Council and proposed short term lending provisions; H.R. 2309- Consumer Credit and Debt Protection Act short term lending provisions; Short term lending provisions in the following bills: H.R. 3126 Consumer Financial Protection Agency Act, House Energy and Commerce Mark up of provisions affecting short term lending; H.R. 1214, Gutierrez Payday Loan Reform Act; H.R. 1846, the CLEAR Act; H.R. 1640, the Interest Rate Reduction Act; H.R. 1608 and S.500, Protecting Consumers from Unreasonable Credit Rates Act H.R. 2563; Payday Lending Reform Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.500/H.R.1608, Protecting Consumers from Unreasonable Credit Rates Act of 2009; H.R.1640, Interest Rate Reduction Act; S.566, Financial Product Safety Commission Act of 2009; H.R.1214, Payday Loan Reform Act of 2009; S.582,Interest Rate Reduction Act; H.R.1846, C.L.E.A.R. Act; S.257, Consumer Credit Fairness Act; H.R.2563, Payday Lending Reform Act of 2009; H.R.2309, Consumer Credit and Debt Act; H.R.4173, Consumer Financial Protection Agency Act of 2009; Safe Affordable Loan Act (Kohl); Protection Issues related to amending the Truth in Lending Act and the Regulation Reform Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.500/H.R.1608, Protecting Consumers from Unreasonable Credit Rates Act of 2009; H.R.1640, Interest Rate Reduction Act; S.566, Financial Product Safety Commission Act of 2009; H.R.1214, Payday Loan Reform Act of 2009; S.582,Interest Rate Reduction Act; H.R.1846, C.L.E.A.R. Act; S.257, Consumer Credit Fairness Act; H.R.2563, Payday Lending Reform Act of 2009; H.R.2309, Consumer Credit and Debt Act; H.R.4173, Consumer Financial Protection Agency Act of 2009; Safe Affordable Loan Act (Kohl); Protection Issues related to amending the Truth in Lending Act and the Regulation Reform Act.

Client expense: Not reported · Firm income: $110,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1214, Payday Loan Reform Act of 2009, Subprime lending, mortgage and foreclosure related issues. H.R.2563, Payday Lending Reform Act of 2009, Lending related issues. H.R.4173, Wall Street Reform and Consumer Protection Act, Consumer Financial Protection Agency.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

general financial services issues and issues pertaining to the company. Bills- S.3632, H.R. 1214, H.R. 1846, H.R. 2563, H.R. 1608

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans) 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)

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

HR 1214, HR 1608, HR 1640, HR 1846, HR 2309, HR 2563 S 257, S 500, S 582

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE