Bank Accountability and Risk Assessment Act of 2009

Appropriations for health centers and related programs; Appropriations for National Health Service Corps; Appropriations for HIV/AIDS Programs; Appropriations for Health Professions Program; Appropriations for Rural Health Programs. Appropriations for Corporation for National and Community Service/AmeriCorps; Appropriations for Coordinated Care Networks; American Recovery and Reinvestment Act (ARRA) (H.R.1); House FY2010 Budget Res. (S.Con.Res.85); Senate 2010 Budget Res. (S.Con.Res.13); Jobs for Main St. Act (H.R. 2897); Tax Extenders Act of 2009 (H.R. 4213); The Hiring Incentives to Restore Employment (HIRE) Act (H.R.2847); The Small Business and Infrastructure Jobs Tax Act of 2010 (H.R.4849); Affordable Care for America Act (H.R.3962; The Patient Protection and Affordable Care Act (H.R.3590); Reconciliation Act of 2010 (H.R.4872); Continuing Resolution (H.R. 3081); Labor HHS Appropriations (S.3686).

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Office of Management & Budget (OMB), SENATE, White House Office

HR 1984/1988/289/4146; S.401: 401(k) Fair Disclosure for Retirement Security Act of 2009 HR 4213/S 1934/S 3191/S 3333: Investing in American Jobs and Closing Tax Loopholes Act of 2010; Title II, subsections A, C, D (expiring tax provisions) HR 2897: Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 1083: Simplification Act; PL 111-166 HR 989/S. 829: Eagle Employers Act HR 3933/S. 1934: Foreign Account Tax Compliance Act HR 2460/S. 1152: Healthy Families Act HR 1987/1508/S. 803: Healthy Workforce HR 5328: International Tax Cmpetitiveness Act of 2010 HR 1068: Let Wall Street Pay for Wall Street's Bailout Act of 2009 HR 5297: Small Business Jobs and Credit Act of 2010; P.L. 111-499 HR 2098: Corporations Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 422: Extend R&D tax credit to through 2010, increase & make permanent alternative simplified credit (R&D Tax credit) HR 1542: TARP Bonus Tax HR 1944/HR 2089: Subpart F Extension HR 2158/HR 3530/S. 929: Nonroad Alternative Powered Equipment Tax Credits HR 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind HR 3136/S. 2899: To extend the program to provide grants for specified energy property in lieu of tax credits HR 275/S. 392: Repeal of 3% witholding on certain payments to vendors by government entities S. 2927: A bill to amend the Internal Revenue Code of 1986 to impose a tax on certain securities transactions to fund job creation and deficit reduction, and for other purposes. HR 3404/3548, S. 1647: Worker, Homeownership, and Business Assistance Act of 2009; P.L. 111-92 HR 1274: Working Families Flexibility Act HR 5297: Small Business Jobs & Credit Act of 2010; P.L. 111-499 HR 5982: Small Business Tax Relief Act of 2010 HR 1586/S. 1451: FAA Air Transportation Modernization and Safety Improvement Act; Amendment 4567 (treatment of foreign tax); P.L. 111-226

Client expense: $350,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Corporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 4173, 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; H.R.5038, Fair Access to Credit and Job Creation Act of 2010; H.R.5159, Safe, Accountable, Fair, and Efficient Banking Act of 2010; H.R.5502, To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009; H.AMDT.697 to H.R.5297small banks to amortize losses on commercial real estate loans over a 10-year period, freeing up more capital for these small institutions to lend to small businesses; H.R. 3639 and S. 1833, the Expedited CARD Reform for Consumers Act; S. 1927, Credit Card Rate Freeze Act of 2009; S. 1799, The Fairness and Accountability in Receiving Overdraft Coverage Act; H.R. 2221, Data Accountability and Trust Act; H.R. 5297, Small Business Jobs and Credit Act H.R. 5680, Predatory Lending Sunset Act H.R. 6225, Permanent End to TARP Act

Client expense: $1,400,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

Appropriations for health centers and related programs; Appropriations for National Health Service Corps; Appropriations for HIV/AIDS Programs; Appropriations for Health Professions Program; Appropriations for Rural Health Programs. Appropriations for Corporation for National and Community Service/AmeriCorps; American Recovery and Reinvestment Act (ARRA) (H.R.1); House FY2010 Budget Res. (H.Con.Res.85); Senate 2010 Budget Res. (S.Con.Res.13); Jobs for Main St. Act (H.R. 2897); Tax Extenders Act of 2009 (H.R. 4213); The Hiring Incentives to Restore Employment (HIRE) Act (H.R.2847); The Small Business and Infrastructure Jobs Tax Act of 2010 (H.R.4849); Affordable Health Care for America Act (H.R.3962); The Patient Protection and Affordable Care Act (H.R.3590); Reconciliation Act of 2010 (H.R.4872).

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Office of Management & Budget (OMB), SENATE, White House Office

HR 4213/S 1934/S 3191/S 3333: American Jobs and Closing Tax Loopholes Act of 2010 (expiring tax provisions) HR 989/S. 829: Eagle Employers Act HR 1083: Simplification Act; PL 111-166 HR 2897: Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 3933/S. 1934: Foreign Account Tax Compliance Act HR 3042/S. 1374: Worker Adjustment & Retraining Act HR 1987/1508/S. 803: Wellness Programs HR 5328: International Tax Cmpetitiveness Act of 2010 HR 1068: Let Wall Street Pay for Wall Street's Bailout Act of 2009 HR 5297: Small Business Jobs and Credit Act of 2010; P.L. 111-499 HR 2098: Corporations Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 422: Extend R&D tax credit to through 2010, increase & make permanent alternative simplified credit (R&D Tax credit) HR 1542: TARP Bonus Tax; PL 111-166 HR 1944/HR 2089: Subpart F Extension; PL 111-166 HR 2158/HR 3530/S. 929: Nonroad Alternative Powered Equipment Tax Credits HR 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind HR 3136: To extend the program to provide grants for specified energy property in lieu of tax credits HR 275/S. 392: Repeal of 3% witholding on certain payments to vendors by government entities S. 2927: A bill to amend the Internal Revenue Code of 1986 to impose a tax on certain securities transactions to fund job creation and deficit reduction, and for other purposes. HR 3548: Extending & expanding home buyer tax credits and net operating loss carryback rules into 2010; PL 111-5

Client expense: $340,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Conporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 4173, 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; H.R.5038, Fair Access to Credit and Job Creation Act of 2010; H.R.5159, Safe, Accountable, Fair, and Efficient Banking Act of 2010; H.R.5502, To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009; H.AMDT.697 to H.R.5297small banks to amortize losses on commercial real estate loans over a 10-year period, freeing up more capital for these small institutions to lend to small businesses; H.R. 3639 and S. 1833, the Expedited CARD Reform for Consumers Act; S. 1927, Credit Card Rate Freeze Act of 2009; S. 1799, The Fairness and Accountability in Receiving Overdraft Coverage Act; H.R. 2221, Data Accountability and Trust Act;

Client expense: $1,620,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

HR2382, S1212 - legislation to regulate interchange fees associated with credit and debit cards. HR3126, HR4173 Financial regulatory restructuring HR977 and S1691 - Derivatives markets transparency and accountability act. HR2897 Bank Accounting and Risk Assessment Act. HR3904/S1799 - overdraft programs. HR4173 financial regulatory reform. S3217 financial regulatory reform.

Client expense: $1,290,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 703 Bank Liquidity/Deposit Insurance Legislation HR 786 Permanent Increase in Deposit Insurance HR 1106 Helping Families Save Their Homes Act of 2009 HR 1456 Consumer Overdraft Protection Fair Practices Act HR 1487 Overdraft Fee Notification Act HR 1728 Mortgage Reform and Anti-Predatory Lending Act HR 2382 Credit Card Interchange Fees Act of 2009 HR 2695 Credit Card Fair Fee Act HR 2897 Bank Accountability and Risk Assessment Act of 2009 HR 3126 Consumer Financial Protection Agency Act of 2009 HR 3380 Promoting Lending to America's Small Businesses Act of 2009 HR 3904 Overdraft Protection Act of 2009 HR 3996 Financial Stability Improvement Act HR 4173 Dodd-Frank Wall Street Reform and Consumer Protection Act HR 4229 Borrowers' Right to Inspect Closing Comuments Act of 2009 HR 5297 Small Business Lending Fund Act of 2010 HR 5569 Extend the National Flood Insurance Prog;ram S. 664 Financial System Stabilization and Reform Act of 2009 S. 896 Helping Families Save Their Homes Act of 2009 S. 1212 Credit Card Fair Fee Act S 1799 Fairness and Accountability in Receiving Overdraft Coverage Act of 2009/Fair Overdraft Coverage Act S 3217 Restoring America's Financial Stability Act of 2010 Bank Capital Rules Bank Examinations Community Reinvestment Act Consumer Financial Protection Bureau Consumer Protection for Financial Products and Services Credit Card/Debit Card Interchange Fees Credit Union Business Lending Powers Deposit Concentration Cap Deposit Insurance Assessment Base Deposit Insurance Coverage Limits Deposit Insurance Premiums Derivatives Regulation FDIC Transaction Account Guarantee Program Federal Home Loan Banks Federal Reserve Supervisory Authority Financial Regulatory Reform Foreclosure Mitigation Housing Government Sponsored Enterprises Mortgage Lending Reform Obama Administration $30 Billion Small Business Lending Fund Overdraft Protection Programs Proprietary Trading Restrictions Regulatory Relief for Community Banks Regulation Z, Establishment of Escrow, HOEPA Loans, Higher Priced Loans Relief for Preferred Shareholders of Government Sponsored Enterprises Remittances Regulation Sarbanes-Oxley relief for community banks Senate Draft of Regulatory Reform Bill State Bank Lending Limits Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority TARP Funding, Oversight and Implementation

Client expense: $1,650,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, 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), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

HR 1664 Grayson Himes Pay for Performance Act, regarding issues on executive compensation; General issues regarding Gramm Leach Bliley Repeal; HR 2896 Equal Treatment of Covered Bonds Act, regarding issues of treatment on covered bonds; HR 2897 Bank Accountability and Risk Assessment Act / HR 786 To make permanent the temporary increase in deposit insurance coverage / HR 1106 Helping Families Save Their Homes Act, regarding FDIC & deposit insurance; HR 627 Credit Cardholders' Bill of Rights Act, regarding legislative and regulatory prohibition of credit card practices implementation timeframes; HR 977 Derivatives Markets Transparency & Accountability Act / S 272 Derivatives Trading Integrity Act, regarding Credit Default Swaps; HR 2454 American Clean Energy and Security Act / S 961 Authorizing the Regulation of Swaps Act / S 1691 Comprehensive Derivatives Regulation Act / Administration Proposal, regarding over-the-counter derivatives; S 3098 PROP Trading Acting, regarding Volcker Rule on proprietary trading; HR 5387 / S 3264 Debt Settlement Consumer Protection Act, regarding issues of examination of debt settlement practices; HR 5548 / S 3480 Protecting CyberSpace as a National Asset Act, regarding general issues on National Cyber Security.

Client expense: $1,090,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 275/S. 392: Repeal of 3% witholding on certain payments to vendors by government entities HR 422: Extend R&D tax credit to through 2010, increase & make permanent alternative simplified credit (R&D Tax credit) HR 1083: Business Activity Tax Simplification Act of 2009 HR 1542: TARP Bonus Tax; PL 111-166 HR 1944/HR 2089: Subpart F Extension; PL 111-166 HR 1987/1508/S. 803: Wellness Programs HR 2897: Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 989/S. 829: Provide a Federal income tax credit for Patriot employers HR 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits HR 2460/S. 1152: Healthy Families Act HR 3042/S. 1374: Worker Adjustment & Retraining Act HR 651: Deferred Compensation HR 1083: Simplification Act; PL 111-166 HR 2098: Corporations Bank Accountability and Risk Assessment Act of 2009; PL 111-166 HR 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind HR 3136: To extend the program to provide grants for specified energy property in lieu of tax credits HR 3548: Extending & expanding home buyer tax credits and net operating loss carryback rules into 2010; PL 111-5 HR 1984/S. 401: 401 (k) Fair Disclosure for Retirement Security Act of 2009 S. 2927: A bill to amend the Internal Revenue Code of 1986 to impose a tax on certain securities transactions to fund job creation and deficit reduction, and for other purposes. HR 3933/S. 1934: Foreign Account Tax Compliance Act HR 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits HR 3052: Ending Taxpayer Bailouts by Making Wall Street Pay Act of 2010

Client expense: $720,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

HR2382, S1212 - legislation to regulate interchange fees associated with credit and debit cards. HR3126 - Financial regulatory restructuring HR977 and S1691 - Derivatives markets transparency and accountability act. HR2897 Bank Accounting and Risk Assessment Act. HR3904/S1799 - overdraft programs. HR4173 financial regulatory reform. S3217 Financial Regulatory Reform.

Client expense: $1,020,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1456, Consumer Overdraft Protection Fair Practices Act; H.R. 3904 and S. 1799, FAIR Overdraft Coverage Act; H.R. 2897, the Bank Accountability and Risk Assessment Act.; Extension of FDIC Transaction Account Guarantee Program; and S. 3217, Restoring American Financial Stability Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 786 - "To make permanent the temporary increase in deposit insurance coverage, and for other purposes" - Amends the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to redefine the standard maximum deposit insurance amount and the standard maximum share insurance amount as being $250,000, respectively HR 627/S 235 - "Credit Cardholders' Bill of Rights Act of 2009" - Amends the Truth in Lending Act to prohibit a creditor from increasing any annual percentage rate of interest (APR) applicable to the existing balance on an open end consumer credit card account unless specified conditions are met HR 2897 - "Bank Accountability and Risk Assessment Act of 2009" - Establish new assessments/premiums of the Federal Deposit Insurance Corporation (FDIC)

Client expense: $1,100,730 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office

TRAC Act; Bid Shopping; Services Acquisition Reform Act; Acquisition System Improvement Act; Reverse Auctions; Buy American; Clean Contracting Act; Accountability in Government Contracting Act; Contractors and Federal Spending Accountabality Act; Government Contractor Accountability Act; S 90 & HR 983- preserve open competition & Federal Government Neutrality Act; reconciliation instructions on health care; oppose expansion of False Claims Corrections Act; HR 847/S 1334 Health Care Liability Reform for 9/11; Senate amendments mandating verification systems/policies for employers; H.R. 275/S. 292, a bill to repeal the imposition of 3 percent witholding on certain government payments; HR 2897 - Hiring Incentives to Restore Employment Act

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

Government targets: Education, Dept of, Environmental Protection Agency (EPA), Federal Highway Administration (FHA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, State, Dept of (DOS), Transportation, Dept of (DOT), U.S. Agency for International Development (USAID), White House Office

HR 1664 Grayson Himes Pay for Performance Act, regarding issues on executive compensation; HR 977 Derivatives Markets Transparency & Accountability Act, regarding credit default swaps; S 272 Derivatives Trading Integrity Act, regarding credit default swaps; HR 2454 American Clean Energy and Security Act / S 961 Authorizing the Regulation of Swaps Act / S 1691 Comprehensive Derivatives Regulation Act / Administration Proposal, regarding over the counter derivatives; HR 627 Credit Cardholders' Bill of Rights Act / HR 3639 Expedited CARD Reform for Consumers Act of 2009 / S 1927 / HR 3959 Credit Card Rate Freeze Act / HR 2382 Credit Card Interchange fees Act of 2009 / Federal Reserve Implementation Rules, regarding legislative and regulatory prohibition of credit card practices, implementation timeframes, interchange fees, and restrictions on small business credit cards; S 773 Cybersecurity Act of 2009, regarding creation of the National Cyber Security Advisor; General issues regarding proposed Sen. Schumer legislation on examination of debt settlement practices; HR 2897 Bank Accountability and Risk Assessment Act, regarding deposit insurance; HR 2896 Equal Treatment of Covered Bonds Act, regarding issues of treatment on covered bonds; General issues regarding lending and credit market activities, Gramm-Leach-Bliley Repeal, examination of debt settlement practices, fiduciary standards of investment, and BAC postal strategies; S 3098 PROP Trading Act, regarding Volcker Rule on proprietary trading; HR 384 TARP Reform and Accountability Act, regarding general issues on TARP oversight; HR 1105 / S Amdt. 638 Omnibus Appropriations Act, regarding issues involving Truth in Lending Act; HR 786 / S Amdt. 688 to make permanent the temporary increase in deposit insurance coverage, regarding FDIC insurance; HR 2695 Credit Card Fair Fee Act, regarding all sections of full text; S 1799 FAIR Overdraft Coverage Act, regarding legislative limitations of overdraft practices; HR 1474 Servicemembers Access to Justice Act and Sen. Dodd Draft, regarding financial regulatory reform; HR 1624 Amdt 201 / BKO proposed rule 3001 / Proposed TCPA regulation amendments, regarding legislative effort to enact restrictions on credit cards and other loans; General issues on regulatory restructuring; HR 4300 Restoring America's Commitment to Consumers Act, regarding legislative limitation of interest rates and fees on credit cards.

Client expense: $940,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Appropriations for health centers and related programs; Appropriations for National Health Service Corps; Appropriations for HIV/AIDS Programs; Appropriations for Health Professions Program; Appropriations for Rural Health Programs. Appropriations for Corporation for National and Community Service/AmeriCorps; Consolidated Appropriations act (H.R.3288). American Recovery and Reinvestment Act (ARRA) (H.R.1); House FY2010 Budget Res. (S.Con.Res.85); Senate 2010 Budget Res. (S.Con.Res.13); Jobs for Main St. Act (H.R. 2897); Tax Extenders Act of 2009 (H.R. 4213); The Hiring Incentives to Restore Employment (HIRE) Act (H.R.2847); The Small Business and Infrastructure Jobs Tax Act of 2010 (H.R.4849).

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Office of Management & Budget (OMB), SENATE, White House Office

HR 703 Bank Liquidity/Deposit Insurance Legislation HR 786 Permanent Increase in Deposit Insurance HR 1106 Helping Families Save Their Homes Act of 2009 HR 1456 Consumer Overdraft Protection Fair Practices Act HR 1487 Overdraft Fee Notification Act HR 1728 Mortgage Reform and Anti-Predatory Lending Act HR 2266 Reasonable Prudence in Regulations Act (Internet Gambling) HR 2267 Internet Gambling Regulation, Consumer Protection and Enforcement Act HR 2382 Credit Card Interchange Fees Act of 2009 HR 2676 The Administrative Support and Oversight of Financial Institutions Act of 2009 HR 2695 Credit Card Fair Fee Act HR 2897 Bank Accountability and Risk Assessment Act of 2009 HR 3126 Consumer Financial Protection Agency Act of 2009 HR 3380 Promoting Lending to America's Small Businesses Act of 2009 HR 3904 Overdraft Protection Act of 2009 HR 3996 Financial Stability Improvement Act S. 664 Financial System Stabilization and Reform Act of 2009 S. 896 Helping Families Save Their Homes Act of 2009 S. 1212 Credit Card Fair Fee Act S 1799 Fairness and Accountability in Receiving Overdraft Coverage Act of 2009/Fair Overdraft Coverage Act Bank Capital Rules Bank Examinations Community Bank Involvement with the TARP (access and terms of participation) Community Reinvestment Act Consumer Protection for Financial Products and Services Credit Card/Debit Card Interchange Fees Credit Union Business Lending Powers Deceptive Marketing Techniques of Ally Bank (formerly GMAC Bank) Deposit Concentration Cap Deposit Insurance Assessment Base Deposit Insurance Coverage Limits Deposit Insurance Premiums FDIC Transaction Account Guarantee Program Federal Reserve Supervisory Authority Financial Regulatory Reform Foreclosure Mitigation Housing Government Sponsored Enterprises Interest Rate Restrictions on Deposits Nomination of Ben Bernanke as Chairman, Board of Governors of the Federal Reserve System Obama Administration $30 Billion Small Business Lending Fund Overdraft Protection Programs Proprietary Trading Restrictions Regulatory Relief for Community Banks Regulation Z, Establishment of Escrow, HOEPA Rules, Higher Priced Loans Relief for Preferred Shareholders of Government Sponsored Enterprises Restoring America's Financial Stability Act of 2010 Sarbanes-Oxley relief for community banks Senate Draft of Regulatory Reform Bill Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority TARP Funding, Oversight and Implementation

Client expense: $1,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, 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), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Conporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 4173, 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: $2,660,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), 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 (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, H.R.4300); 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); 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, H.R.4938); Overdraft Protection Act (H.R.3904); Financial Crisis Responsibility Fee; The Volcker Rule (S.3098). 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; Small Business Lending Fund; Guidance on Unbundling Trust Commissions; Payment Systems Reporting Regulations; Financial Literacy.

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

Government targets: Federal Bureau of Investigation (FBI), 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, White House Office

S. 257, the Consumer Credit Fairness Act (all provisions) S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 896, the Helping Families Save Their Homes Act of 2009 (all provisions, proposed amendment on farm loan restructuring) S. 1212, the Credit Card Fair Fee Act of 2009 (all provisions) Administration Proposal to Restructure Financial Services Regulation (all provisions) S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (all provisions) S. 1822, the Bank On Our Communities Act of 2009 (all provisions) S. 1927, the Credit Card Rate Freeze Act of 2009 (all provisions) S. 2919, to amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes (all provisions) H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 (all provisions) H.R. 1020, the Arbitration Fairness Act (provisions restricting arbitration clauses in contracts) H.R. 1479, the Community Reinvestment Modernization Act of 2009 H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act (all provisions) H.R. 2309, the Consumer Credit and Debt Protection Act (provisions to grant the FTC expedited rulemaking authority and authority to obtain civil penalties in connection with unfair and deceptive acts or practices) H.R. 2382, the Credit Card Interchange Fees Act of 2009 (all provisions) H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions) H.R. 2893, Money Services Business Act of 2009 H.R. 2897, the Bank Accountability & Risk Assessment Act of 2009 (all provisions) H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (all provisions) H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (all provisions on credit unions business lending restrictions) H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (all provisions) H.R. 3763, to amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses (all provisions) H.R. 3817, the Investor Protection Act (all provisions) H.R. 3818, the Private Fund Investment Advisers Registration Act of 2009 (all provisions) H.R. 3904, the Overdraft Protection Act (all provisions) Consumer Financial Protection Agency Act of 2009 H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation

Client expense: $2,300,000 · Firm income: Not reported

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

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3136: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind

Client expense: $320,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind H.R. 3136: To extend the program to provide grants for specified energy property in lieu of tax credits H.R. 3548: Extending & expanding home buyer tax credits and net operating loss carryback rules into 2010; P.L. 111-92 H.R. 1984/S. 401: 401 (k) Fair Disclosure for Retirement Security Act of 2009 S. 2927: A bill to amend the Internal Revenue Code of 1986 to impose a tax on certain securities transactions to fund job creation and deficit reduction, and for other purposes. H.R. 3933/S. 1934: Foreign Account Tax Compliance Act H.R. 1508/S. 803: Wellness Programs

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

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3136: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind

Client expense: $320,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act of 2009 (executive compensation limit exemption for community banks); H.R. 2897, to amend the deposit insurance premium assessment process; H.R. 3126, the Consumer Financial Protection Act, including all provisions affecting community banks.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Conporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 4173, 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: $1,800,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

HR 627 Credit Cardholder' Bill of Rights Act of 2009 HR 703 Bank Liquidity/Deposit Insurance Legislation HR 786 Permanent Increase in Deposit Insurance HR 1106 Helping Families Save Their Homes Act of 2009 HR 1456 Consumer Overdraft Protection Fair Practices Act HR 1487 Overdraft Fee Notification Act HR 1728 Mortgage Reform and Anti-Predatory Lending Act H.R. 2221, the Data Accountability and Trust Act HR 2266 Reasonable Prudence in Regulations Act (Internet Gambling) HR 2267 Internet Gambling Regulation, Consumer Protection and Enforcement Act HR 2382 Credit Card Interchange Fees Act of 2009 HR 2676 The Administrative Support and Oversight of Financial Institutions Act of 2009 HR 2897 Bank Accountability and Risk Assessment Act of 2009 HR 3126 Consumer Financial Protection Agency Act of 2009 HR 3380 Promoting Lending to America's Small Businesses Act of 2009 HR 3639 Expedited CARD Reform for Consumers Act of 2009 HR 3904 Overdraft Protection Act of 2009 HR 3996 Financial Stability Improvement Act HR 4173 Wall Street Reform and Consumer Protection Act S. 235 Credit Cardholders' Bill of Rights Act of 2009 S. 392 Credit Card Reform Act of 2009 S. 414 Credit Card Accountability Responsibility and Disclosure Act S. 541 Depositor Protection Act of 2009 S. 664 Financial System Stabilization and Reform Act of 2009 S. 896 Helping Families Save Their Homes Act of 2009 S 1799 Fairness and Accountability in Receiving Overdraft Coverage Act of 2009/Fair Overdraft Coverage Act S1833 Expedited CARD Reform for Consumers Act of 2009 Bank Capital Rules Bank Examinations Community Bank Involvement with the TARP (access and terms of participation) Consumer Protection for Financial Products and Services Credit Card/Debit Card Interchange Fees Credit Card Protections and Disclosures Credit Union Business Lending Powers Deposit Concentration Cap Deposit Insurance Assessment Base Deposit Insurance Coverage Limits Deposit Insurance Premiums and FDIC Premium Prepayment FDIC Temporary Liquidity Guarantee Program Foreclosure Mitigation Housing Government Sponsored Enterprises Interest Rate Restrictions on Deposits Internet Gambling Regulations Legacy Loans Program Mark to Market Accounting Overdraft Protection Programs Regulatory Relief for Community Banks Regulatory Restructuring Regulation Z, HOEPA Rules, Higher Priced Loans Sarbanes-Oxley relief for community banks Senate Draft of Regulatory Reform Bill Systemic Risk and Too-Big-To-Fail Regulation TARP Funding, Oversight and Implementation

Client expense: $1,360,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, 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), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, 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 (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

HR 1664 Grayson Himes Pay for Performance Act, regarding issues on executive compensation; HR 3795 Over-the-Counter Derivatives Markets Act of 2009, regarding over-the-counter derivatives; HR 977 Derivatives Markets Transparency & Accountability Act, regarding over-the-counter derivatives; S 272 Derivatives Trading Integrity Act, regarding Credit Default Swaps; HR 2454 American Clean Energy and Security Act / S 1691 Comprehensive Derivatives Regulation Act / Administration Proposal / S 961 Authorizing the Regulation of Swaps Act, regarding over-the-counter derivatives; HR 627 Credit Cardholders' Bill of Rights Act / HR 3639 Expedited CARD Reform for Consumers Act of 2009 / S 1927 / HR 3959 / HR 2382 Credit Card Interchange Fees Act of 2009, regarding legislative and regulatory prohibition of credit card practices, implementation timeframes, interchange fees, and restrictions on small business credit cards; S 773 / S 778 Cybersecurity Act of 2009, regarding creation of an agency and advisor; Senate Banking, Housing, & Urban Affairs Committee Chairman Dodd's discussion draft regarding comprehensive financial institution regulatory reform; Discuss with House Oversight and Government Reform Committee regarding the Committee's inquiry into the acquisition of Merrill Lynch by Bank of America; HR 2897 Bank Accountability and Risk Assessment Act, regarding deposit insurance; HR 2896 Equal Treatment of Covered Bonds Act, regarding issues of treatment of covered bonds; General issues regarding lending and credit market activities, Gramm-Leach Bliley Repeal, examination of debt-settlement practices, fiduciary standards of investment, and Bank of America postal strategies; HR 384 TARP Reform and Accountability Act, regarding general issues on TARP oversight; HR 1105 / S Amdt 638 Omnibus Appropriations Act, regarding issues involving Truth in Lending Act; HR 786 / S Amdt 688 To make permanent the temporary increase in deposit insurance coverage regarding FDIC insurance; HR 2695 / S 1212 Credit Card Fair Free Act, regarding issues involving rates and electronic payment systems; S 1432 Financial Services and General Government Appropriations Act 2010, regarding interchange charges to government acceptance of card payments; S 1799 FAIR Overdraft Coverage Act, regarding legislative limitations of overdraft practices; HR 1474 Servicemembers Access to Justice Act of 2009, regarding financial regulatory reform; HR 1624 Amdt. 201 / BKO Proposed Rule 3001, regarding Legislative effort to enact restrictions on credit cards and other loans; HR 4300 Restoring America's Commitment to Consumers Act of 2009, regarding legislative limitation of interest rates and fees on credit cards.

Client expense: $1,180,000 · Firm income: Not reported

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

TRAC Act; Bid Shopping; Services Acquisition Reform Act; Acquisition System Improvement Act; Reverse Auctions; Buy American; Clean Contracting Act; Accountability in Government Contracting Act; Contractors and Federal Spending Accountabality Act; Government Contractor Accountability Act; S 90 & HR 983- preserve open competition & Federal Government Neutrality Act; reconciliation instructions on health care and climate change; oppose expansion of False Claims Corrections Act; HR 847/S 1334 Health Care Liability Reform for 9/11; FY 2010 Federal Appropriations process, provisions relating to federal direct and federally assisted construction programs; Senate amendments mandating verification systems/policies for employers; H.R. 275/S. 292, a bill to repeal the imposition of 3 percent witholding on certain government payments; HR 2897 - Jobs for Main Street Act

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

Government targets: Education, Dept of, Environmental Protection Agency (EPA), Federal Highway Administration (FHA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Agency for International Development (USAID), White House Office

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind H.R. 3136: To extend the program to provide grants for specified energy property in lieu of tax credits H.R. 3548: Extending & expanding home buyer tax credits and net operating loss carryback rules into 2010; P.L. 111-92 H.R. 1984/S. 401: 401 (k) Fair Disclosure for Retirement Security Act of 2009 S. 2927: A bill to amend the Internal Revenue Code of 1986 to impose a tax on certain securities transactions to fund job creation and deficit reduction, and for other purposes. H.R. 3933/S. 1934: Foreign Account Tax Compliance Act H.R. 1508/S. 803: Wellness Programs

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

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3136: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind

Client expense: $320,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

S. 257, the Consumer Credit Fairness Act (all provisions) S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 896, the Helping Families Save Their Homes Act of 2009 (all provisions, proposed amendment on farm loan restructuring) S. 1212, the Credit Card Fair Fee Act of 2009 (all provisions) Administration Proposal to Restructure Financial Services Regulation (all provisions) S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (all provisions) S. 1822, the Bank On Our Communities Act of 2009 (all provisions) S. 1927, the Credit Card Rate Freeze Act of 2009 (all provisions) S. 2919, to amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes (all provisions) H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009 (all provisions) H.R. 1020, the Arbitration Fairness Act (provisions restricting arbitration clauses in contracts) H.R. 1479, the Community Reinvestment Modernization Act of 2009 H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act (all provisions) H.R. 2309, the Consumer Credit and Debt Protection Act (provisions to grant the FTC expedited rulemaking authority and authority to obtain civil penalties in connection with unfair and deceptive acts or practices) H.R. 2382, the Credit Card Interchange Fees Act of 2009 (all provisions) H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions) H.R. 2893, Money Services Business Act of 2009 H.R. 2897, the Bank Accountability & Risk Assessment Act of 2009 (all provisions) H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (all provisions) H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (all provisions on credit unions business lending restrictions) H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (all provisions) H.R. 3763, to amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses (all provisions) H.R. 3817, the Investor Protection Act (all provisions) H.R. 3818, the Private Fund Investment Advisers Registration Act of 2009 (all provisions) H.R. 3904, the Overdraft Protection Act (all provisions) Consumer Financial Protection Agency Act of 2009 H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation

Client expense: $2,250,000 · Firm income: Not reported

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

Appropriations for health centers and related programs; Labor HHS Appropriations (H.R. 3293); Appropriations for National Health Service Corps; Appropriations for HIV/AIDS Programs; Appropriations for Health Professions Program; Appropriations for Rural Health Programs. Appropriations for Corporation for National and Community Service/AmeriCorps; Consolidated Appropriations act (H.R. 3288). American Recovery and Reinvestment Act (ARRA) (H.R.1); House FY2010 Budget Res. (S.Con.Res.85); Senate 2010 Budget Res. (S.Con.Res.13); Jobs for Main St. Act (H.R. 2897); Tax Extenders Act of 2009 (H.R. 4213).

Client expense: $230,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Office of Management & Budget (OMB), SENATE, White House Office

HR627, S414 - Legislation to regulate credit card practices and pricing. HR991 - Consumer Fairness Act/UDAP, HR2382, S1212 - legislation to regulate interchange fees associated with credit and debit cards. HR3126 - Financial regulatory restructuring HR977 and S1691- Derivatives markets transparency and accountability act S896 - FDIC insurance/Helping Families Save Their Homes Act HR2897 Bank Accountability and Risk Assessment Act. HR3904/S1799 - overdraft programs. HR4173 financial regulatory reform

Client expense: $820,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

HR 3126 - the Consumer Financial Protection Agency Act of 2009; HR 2897 - Bank Accountability and Risk Assessment Act of 2009 support to broaden the assessment base for FDIC deposit insurance premiums and establish a separate risk based assessment;

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 786 - "To make permanent the temporary increase in deposit insurance coverage, and for other purposes" - Amends the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to redefine the standard maximum deposit insurance amount and the standard maximum share insurance amount as being $250,000, respectively HR 627/S 235 - "Credit Cardholders' Bill of Rights Act of 2009" - Amends the Truth in Lending Act to prohibit a creditor from increasing any annual percentage rate of interest (APR) applicable to the existing balance on an open end consumer credit card account unless specified conditions are met HR 2897 - "Bank Accountability and Risk Assessment Act of 2009" - Establish new assessments/premiums of the Federal Deposit Insurance Corporation (FDIC)

Client expense: $988,310 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Copyright Office

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2450/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind

Client expense: $360,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

H.R. 275/S. 392: Repeal of 3% witholding on certain payments to vedors by governemetn entitites H.R. 422: Exend R&D tax credit to through 2010, increase & make permanment alternative simplified credit (R&D Tax credit) H.R. 1083: Business Activity Tax Simplification Act of 2009 H.R. 1542: TARP Bonus Tax H.R. 1944/H.R. 2089: Subpart F Extension H.R. 1987/S. 803: Wellness Programs H.R. 2897: Bank Accountability and Risk Assessment Act of 2009 H.R. 3170: FY '10 Financial Services Appropriations (Comprehensive carbon audit) H.R. 989/S. 829: Provide a Federal income tax credit for Partiot employers H.R. 2158/S. 929: Nonroad Alternative Powered Equipment Tax Credits H.R. 2450/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act H.R. 651: Deferred Compensation H.R. 1083: Simplification Act H.R. 2098: Corporations Bank Accountability and Risk Assessment Act of 2009 H.R. 3135: To amend the Internal Revenue Code of 1986 to provide additional incentives for facilities producing electricity from wind H.R. 2460/S. 1152: Healthy Families Act H.R. 3042/S. 1374: Worker Adjustment & Retraining Act

Client expense: $360,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Natl Guard, SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

HR1456 - overdraft protection. HR627, S414 - Legislation ro regulate credit card practices and pricing. HR991 - Consumer Fairness Act/UDAP, HR2382, S1212 - legislation to regulate interchange fees associated with debit cards. HR3126 - Financial regulatory restructuring HR977 - Derivatives markets transparency and accountability act S896 - FDIC insurance/Helping Families Save Their Homes Act. HR2897 - Bank Accountability and Risk Assessment Act. Administrations regulatory restructuring proposals

Client expense: $670,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Conporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009

Client expense: $1,420,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

HR 3126 The Consumer Financial Protection Agency Act of 2009; HR 3310 the Consumer Protection and Regulatory enhancement Act; HR 2897 Bank Accountability and Risk Assessment Act of 2009; HR 2695/S 1212 the Credit Card Fair Fee Act of 2009;

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 977 Derivatives Markets Transparency & Accountability Act, regarding credit default swaps; S 272 Derivatives Trading Integrity Act, regarding credit default swaps; HR 2454 American Clean Energy and Security Act, regarding over the counter derivatives; S 961 Authorizing the Regulation of Swaps Act, regarding over the counter derivatives; S 1691 Comprehensive Derivatives Regulation Act, regarding over the counter derivatives; Administration Proposal, regarding over the counter derivatives; HR 627 Credit Cardholders' Bill of Rights Act / HR 3639 Expedited CARD Reform for Consumers Act of 2009 / HR 2382 Credit Card Interchange Fees Act of 2009, regarding legislative and regulatory prohibition of credit card practices, implementation timeframes, interchange fees, and restrictions on small business credit cards; HR 1020 / S 931 Arbitration Fairness Act of 2009, regarding general issues on anti-arbitration clauses; S 773 / S 778 Cybersecurity Act of 2009, regarding creation of an agency and advisor; HR 2897 Bank Accountability and Risk Assessment Act, regarding deposit insurance; HR 2896 Equal Treatment of Covered Bonds Act, regarding issues of treatment on covered bonds; HR 384 TARP Reform and Accountability Act, regarding general issues on TARP oversight; HR 1105 / S AMDT 638 Omnibus Appropriations Act, regarding issues involving Truth in Lending Act; HR 786 / S AMDT 688, to make permanent the temporary increase in deposit insurance coverage regarding FDIC insurance; HR 1664 Grayson Himes Pay for Performance Act, regarding issues on executive compensation; HR 1456 Consumer Overdraft Protection Fair Practices Act, regarding issues on overdraft protection and consumer consent; HR 2695 / S 1212 Credit Card Fair Fee Act, regarding issues involving rates and electronic payment systems; S 1432 Financial Services and Government Appropriation Act 2010, regarding interchange changes to government acceptance of card payments; general issues regarding Merrill Lynch merger and Oversight Committee on mergers and bonuses; general issues on the examination of debt settlement practices; general issues regarding lending and credit market activities.

Client expense: $930,000 · Firm income: Not reported

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act of 2009 (executive compensation limit exemption for community banks); H.R. 2897, to amend the deposit insurance premium assessment process; H.R. 3126, the Consumer Financial Protection Act, including all provisions affecting community banks.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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.

Client expense: $120,000 · 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

HR 786 - "To make permanent the temporary increase in deposit insurance coverage, and for other purposes" - Amends the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to redefine the standard maximum deposit insurance amount and the standard maximum share insurance amount as being $250,000, respectively HR 627/S 235 - "Credit Cardholders' Bill of Rights Act of 2009" - Amends the Truth in Lending Act to prohibit a creditor from increasing any annual percentage rate of interest (APR) applicable to the existing balance on an open end consumer credit card account unless specified conditions are met HR 2897 - "Bank Accountability and Risk Assessment Act of 2009" - Establish new assessments/premiums of the Federal Deposit Insurance Corporation (FDIC)

Client expense: $1,013,310 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of, U.S. Copyright Office