To impose an 18-month moratorium on the Home Valuation Code of Conduct.

Placing a moratorium on new appraisal rules HR 3044- A bill to impose an 18-month moratorium on the Home Valuation Code of Conduct Financial Regulatory Reform and clarification of individuals/entities classified as financial institutions HR 3126- Consumer Financial Protection Agency Act of 2009 HR 3310- Consumer Protection and Regulatory Enhancement Act HR 3996- A bill to improve financial stability, and for other purposes HR 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act S 3217- Restoring American Financial Stability Act of 2010 Red Flag Guideline Exclusions for Certain Businesses HR 3763- A bill amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses Small Business Lending HR 3380- Promoting Lending to America's Small Businesses Act of 2009 S 2919- Small Business Lending Enhancement Act of 2009 HR 5297- Small Business Lending Fund Act of 2010 HR 5302- State Small Business Credit Initiative Act of 2010 HR 5412- Small Business Asset Investment and Modernization (AIM) Act of 2010 S 2780- Small Business Intermediary Lending Pilot Program Act of 2009 HR 3854 - Small Business Financing and Investment Act of 2009 Clarification of Federal Regulation on Annuity Contracts and Insurance Policies S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act of 2009 GSE Modification HR 5539 - Fannie Mae and Freddie Mac Transparency Act of 2010 Homeowner Relief Efforts HR 3066 - Temporary Mortgage Assistance Loan Act of 2009 HR 3068 - TARP for Main Street Act of 2009 S 2969 - Homeowners' Relief and Neighborhood Stabilization Act of 2010 Modification of Loans for Troubled Borrowers HR 788 - A bill to provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes Reverse Mortgages HR 4419 - Reverse Mortgage Elder Protection Act Foreclosure Mitigation & Relief Efforts; Safe Harbor Provisions for Mortgage Servicers; Homeowner Relief Efforts HR 384 - TARP Reform and Accountability Act of 2009 Mortgage Modifications for Troubled Homeowners S 1731 - Preserving Homes and Communities Act of 2009 FHA Loan Limit Increase; Increasing GSE Loan Limits HR 2483 - Increasing Homeownership Opportunities Act Use of TARP Funds for Homeowner Relief and Affordable Rental Housing; Homeowner Relief Efforts HR 3766 - Main Street TARP Act of 2009 Commercial Real Property Debt HR 5943 - Community Recovery and Enhancement (CRE) Act of 2010 Commercial Real Estate Investment HR 6317 - Investment in Commercial Real Estate Act of 2010 Improving Short Sale Processes HR 6133 - Prompt Decision for Qualification of Short Sale Act of 2010 Preventing Foreclosures and Allowing Refinancing of GSE Mortgages HR 6218 - Housing Opportunity and Mortgage Equity Act of 2010 Meetings with FHFA on Appraisal Issues Meetings with Treasury on GSE Reform, "Making Home Affordable," and combination of RESPA and TILA forms.

Client expense: $4,500,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Council on Environmental Quality (CEQ), Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA), Vice President of the U.S., White House Office

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3081 - Continuing Appropriations Act - Extended funding for the government, and extended current loan limits for the Government Sponsored Enterprises' and the Federal Housing Administration's loan limits. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied the FHA about instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market. C.A.R. lobbied FHA on the elimination of the spot approval process for FHA condo loans.

Mortgage reform (H.R. 4173, H.R. 1726, H.R.3126, H.R.3818, S.3217); Home Valuation Code of Conduct (H.R. 4173, H.R. 3044); Mortgage Loan Limits (H.R. 587; H.R. 2483); National Flood Insurance Program (H.R. 5569).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection (Entire Bill); S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (Entire Bill); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 3904, the Overdraft Protection Act of 2009 (Entire Bill); H.R. 5297, the Small Business Jobs and Credit Act of 2010 (Entire Bill); H.R. 4300, the Restoring America's Commitment to Consumers Act of 2009 (Entire Bill); S. 3677, the Financial Services and General Government Appropriations Act, 2011 (Section 745); H.R. 5504, the Improving Nutrition for America's Children Act (Section 352); H.R. 3421, the Medical Debt Relief Act of 2009 (Entire Bill); H.R. 5816, the Commercial Real Estate Stabilization Act of 2010 (Entire Bill); H.R. 6334, American Community Investment Reform Act of 2010 (Entire Bill); H.R. 2454, the American Clean Energy and Security Act (Title II); H.R. 3808, the Interstate Recognition of Notarizations Act of 2010 (Entire Bill); H.R. 4694, the Safe Affordable Small Dollar Loan Act of 2010 (Entire Bill); H.R. 5072, the FHA Reform Act (Entire Bill); H.R. 5017, the Rural Housing Preservation and Stabilization Act of 2010 (Entire Bill); H.R. 2555, the Homeowners' Defense Act of 2009 (Entire Bill); H.R. 1264, the Multiple Peril Insurance Act of 2009 (Entire Bill); H.R. 5114, the Flood Insurance Reform Priorities Act of 2010 (Entire Bill); H.R. 476, the Housing Fairness Act of 2009 (Entire Bill); S. 2919, the Small Business Lending Enhancement Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3854, the Small Business Financing and Investment Act of 2009 (Entire Bill); H.R. 3614, S. 1513, and S. 1929, to provide a temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 4778, the National Flood Insurance Program Extension Act of 2010 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); H.R. 4691, the Temporary Extension Act of 2010 (Entire Bill); H.R. 4213, the American Workers, State, and Business Relief Act of 2010 (Entire Bill); Job-Creation legislation; Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; First-Time Homebuyer Tax Credit; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Refund Anticipation Loans; National Flood Insurance Program (NFIP) Extension; Credit Risk Retention; Asset-Backed Securities; Housing Finance Reform; Real Estate Appraiser Independence; Executive Compensation; Electronic Financial Statement Disclosure Requirements under the E-SIGN Act; Private Mortgage Insurance (PMI); Federal Trade Commission Pre-Merger Notification Requirements under the Hart-Scott-Rodino Act of 1976; Community Charter Conversions; Credit Union Governance; Credit Union Broker-Dealer Registration under the Gramm-Leach-Bliley Act of 1999; Risk-Based Capital; Loan Originator Registration under the S.A.F.E. Mortgage Licensing Act of 2008; Creation of the Bureau of Consumer Financial Protection.

H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection (Entire Bill); S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (Entire Bill); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 3904, the Overdraft Protection Act of 2009 (Entire Bill); H.R. 5297, the Small Business Jobs and Credit Act of 2010 (Entire Bill); H.R. 4300, the Restoring America's Commitment to Consumers Act of 2009 (Entire Bill); S. 3677, the Financial Services and General Government Appropriations Act, 2011 (Section 745); H.R. 5504, the Improving Nutrition for America's Children Act (Section 352); H.R. 3421, the Medical Debt Relief Act of 2009 (Entire Bill); H.R. 5816, the Commercial Real Estate Stabilization Act of 2010 (Entire Bill); H.R. 6334, American Community Investment Reform Act of 2010 (Entire Bill); H.R. 2454, the American Clean Energy and Security Act (Title II); H.R. 3808, the Interstate Recognition of Notarizations Act of 2010 (Entire Bill); H.R. 4694, the Safe Affordable Small Dollar Loan Act of 2010 (Entire Bill); H.R. 5072, the FHA Reform Act (Entire Bill); H.R. 5017, the Rural Housing Preservation and Stabilization Act of 2010 (Entire Bill); H.R. 2555, the Homeowners' Defense Act of 2009 (Entire Bill); H.R. 1264, the Multiple Peril Insurance Act of 2009 (Entire Bill); H.R. 5114, the Flood Insurance Reform Priorities Act of 2010 (Entire Bill); H.R. 476, the Housing Fairness Act of 2009 (Entire Bill); S. 2919, the Small Business Lending Enhancement Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3854, the Small Business Financing and Investment Act of 2009 (Entire Bill); H.R. 3614, S. 1513, and S. 1929, to provide a temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 4778, the National Flood Insurance Program Extension Act of 2010 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); H.R. 4691, the Temporary Extension Act of 2010 (Entire Bill); H.R. 4213, the American Workers, State, and Business Relief Act of 2010 (Entire Bill); Job-Creation legislation; Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; First-Time Homebuyer Tax Credit; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Refund Anticipation Loans; National Flood Insurance Program (NFIP) Extension; Credit Risk Retention; Asset-Backed Securities; Housing Finance Reform; Real Estate Appraiser Independence; Executive Compensation; Electronic Financial Statement Disclosure Requirements under the E-SIGN Act; Private Mortgage Insurance (PMI); Federal Trade Commission Pre-Merger Notification Requirements under the Hart-Scott-Rodino Act of 1976; Community Charter Conversions; Credit Union Governance; Credit Union Broker-Dealer Registration under the Gramm-Leach-Bliley Act of 1999; Risk-Based Capital; Loan Originator Registration under the S.A.F.E. Mortgage Licensing Act of 2008; Creation of the Bureau of Consumer Financial Protection.

HR. 3044 - Title insurance, RESPA, mortgage impariment issues and appraiser services; H.R. 1, Flood Insurance Reform and Modernization Act. HR 178 and HR 3126, home approval management issues.

Client expense: Not reported · Firm income: Not reported

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

HR. 3044 - Title insurance, RESPA, mortgage impariment issues and appraiser services; H.R. 1, Flood Insurance Reform and Modernization Act. HR 178 and HR 3126, home approval management issues.

Client expense: Not reported · Firm income: Not reported

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

Mortgage reform (H.R. 4173, H.R. 1726, H.R.3126, H.R.3818, S.3217); Home Valuation Code of Conduct (H.R. 4173, H.R. 3044); Mortgage Loan Limits (H.R. 587; H.R. 2483); National Flood Insurance Program (H.R. 5569).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Placing a moratorium on new appraisal rules HR 3044- A bill to impose an 18-month moratorium on the Home Valuation Code of Conduct Financial Regulatory Reform and clarification of individuals/entities classified as financial institutions HR 3126- Consumer Financial Protection Agency Act of 2009 HR 3310- Consumer Protection and Regulatory Enhancement Act HR 3996- A bill to improve financial stability, and for other purposes HR 4173- Restoring American Financial Stability Act of 2010 S 3217- Restoring American Financial Stability Act of 2010 Red Flag Guideline Exclusions for Certain Businesses HR 3763- A bill amend the Fair Credit Reporting Act to provide for an exclusion from Red Flag Guidelines for certain businesses Small Business Lending HR 3380- Promoting Lending to America's Small Businesses Act of 2009 S 2919- Small Business Lending Enhancement Act of 2009 HR 5297- Small Business Lending Fund Act of 2010 HR 5302- State Small Business Credit Initiative Act of 2010 HR 5412- Small Business Asset Investment and Modernization (AIM) Act of 2010 S 2780- Small Business Intermediary Lending Pilot Program Act of 2009 Clarification of Federal Regulation on Annuity Contracts and Insurance Policies S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act of 2009 GSE Modification HR 5539 - Fannie Mae and Freddie Mac Transparency Act of 2010 Homeowner Relief Efforts HR 3066 - Temporary Mortgage Assistance Loan Act of 2009 HR 3068 - TARP for Main Street Act of 2009 S 2969 - Homeowners' Relief and Neighborhood Stabilization Act of 2010 Modification of Loans for Troubled Borrowers HR 788 - A bill to provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications, and for other purposes Reverse Mortgages HR 4419 - Reverse Mortgage Elder Protection Act Foreclosure Mitigation & Relief Efforts; Safe Harbor Provisions for Mortgage Servicers; Homeowner Relief Efforts HR 384 - TARP Reform and Accountability Act of 2009 Mortgage Modifications for Troubled Homeowners S 1731 - Preserving Homes and Communities Act of 2009 FHA Loan Limit Increase; Increasing GSE Loan Limits HR 2483 - Increasing Homeownership Opportunities Act Use of TARP Funds for Homeowner Relief and Affordable Rental Housing; Homeowner Relief Efforts HR 3766 - Main Street TARP Act of 2009 Meetings with HUD and FHFA on conforming loan limits

H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection (Entire Bill); S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (Entire Bill); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 3904, the Overdraft Protection Act of 2009 (Entire Bill); H.R. 5297, the Small Business Lending Fund Act of 2010 (Entire Bill); H.R. 4300, the Restoring America's Commitment to Consumers Act of 2009 (Entire Bill); H.R. 4694, the Safe Affordable Small Dollar Loan Act of 2010 (Entire Bill); H.R. 5072, the FHA Reform Act (Entire Bill); H.R. 5017, the Rural Housing Preservation and Stabilization Act of 2010 (Entire Bill); H.R. 2555, the Homeowners' Defense Act of 2009 (Entire Bill); H.R. 1264, the Multiple Peril Insurance Act of 2009 (Entire Bill); H.R. 5114, the Flood Insurance Reform Priorities Act of 2010 (Entire Bill); H.R. 476, the Housing Fairness Act of 2009 (Entire Bill); S. 2919, the Small Business Lending Enhancement Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3854, the Small Business Financing and Investment Act of 2009 (Entire Bill); H.R. 3614, S. 1513, and S. 1929, to provide a temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 4778, the National Flood Insurance Program Extension Act of 2010 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); H.R. 4691, the Temporary Extension Act of 2010 (Entire Bill); H.R. 4213, the American Workers, State, and Business Relief Act of 2010 (Entire Bill); Job-Creation legislation; Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; First-Time Homebuyer Tax Credit; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Refund Anticipation Loans; National Flood Insurance Program (NFIP) Extension; Credit Risk Retention; Department of Treasury Financial Services Regulatory Reform proposal entitled "Financial Regulatory Reform: A New Foundation."

H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection (Entire Bill); S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (Entire Bill); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 3904, the Overdraft Protection Act of 2009 (Entire Bill); H.R. 5297, the Small Business Lending Fund Act of 2010 (Entire Bill); H.R. 4300, the Restoring America's Commitment to Consumers Act of 2009 (Entire Bill); H.R. 4694, the Safe Affordable Small Dollar Loan Act of 2010 (Entire Bill); H.R. 5072, the FHA Reform Act (Entire Bill); H.R. 5017, the Rural Housing Preservation and Stabilization Act of 2010 (Entire Bill); H.R. 2555, the Homeowners' Defense Act of 2009 (Entire Bill); H.R. 1264, the Multiple Peril Insurance Act of 2009 (Entire Bill); H.R. 5114, the Flood Insurance Reform Priorities Act of 2010 (Entire Bill); H.R. 476, the Housing Fairness Act of 2009 (Entire Bill); S. 2919, the Small Business Lending Enhancement Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3854, the Small Business Financing and Investment Act of 2009 (Entire Bill); H.R. 3614, S. 1513, and S. 1929, to provide a temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 4778, the National Flood Insurance Program Extension Act of 2010 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); H.R. 4691, the Temporary Extension Act of 2010 (Entire Bill); H.R. 4213, the American Workers, State, and Business Relief Act of 2010 (Entire Bill); Job-Creation legislation; Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; First-Time Homebuyer Tax Credit; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Refund Anticipation Loans; National Flood Insurance Program (NFIP) Extension; Credit Risk Retention; Department of Treasury Financial Services Regulatory Reform proposal entitled "Financial Regulatory Reform: A New Foundation."

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied the FHA about instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market. C.A.R. lobbied FHA on the elimination of the spot approval process for FHA condo loans.

H.R. 3044, To impose an 18-month moratorium on the Home Valuation Code of Conduct H.R. 4173, Restoring American Financial Stability Act of 2010

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mortgage reform (H.R. 4173, H.R. 1726, H.R.3126, H.R.3818, S.3217); Home Valuation Code of Conduct (H.R. 4173, H.R. 3044); Federal Housing Administration (H.R. 5072; H.R. 4811; H.R. 3706; H.R. 3146; H.R. 2588; H.R. 2467; H.R. 1116; H.R. 587; H.R. 200); Mortgage Loan Limits (H.R. 587; H.R. 2483); Homebuyer Tax Credit (H.R. 5623); National Flood Insurance Program (H.R. 5569).

Client expense: Not reported · Firm income: Not reported

Mortgage reform (H.R. 4173, H.R. 1726, H.R.3126, H.R.3818, S.3217); Home Valuation Code of Conduct (H.R. 4173, H.R. 3044); Federal Housing Administration (H.R. 5072; H.R. 4811; H.R. 3706; H.R. 3146; H.R. 2588; H.R. 2467; H.R. 1116; H.R. 587; H.R. 200); Mortgage Loan Limits (H.R. 587; H.R. 2483); Homebuyer Tax Credit (H.R. 5623); National Flood Insurance Program (H.R. 5569).

Client expense: Not reported · Firm income: Not reported

Mortgage reform (H.R. 4173, H.R. 1726, H.R.3126, H.R.3818, S.3217); Home Valuation Code of Conduct (H.R. 4173, H.R. 3044); Federal Housing Administration (H.R. 5072; H.R. 4811; H.R. 3706; H.R. 3146; H.R. 2588; H.R. 2467; H.R. 1116; H.R. 587; H.R. 200); Mortgage Loan Limits (H.R. 587; H.R. 2483); Homebuyer Tax Credit (H.R. 5623); National Flood Insurance Program (H.R. 5569).

Client expense: Not reported · Firm income: Not reported

Mortgage reform (H.R. 4173, H.R. 1726, H.R.3126, H.R.3818, S.3217); Home Valuation Code of Conduct (H.R. 4173, H.R. 3044); Federal Housing Administration (H.R. 5072; H.R. 4811; H.R. 3706; H.R. 3146; H.R. 2588; H.R. 2467; H.R. 1116; H.R. 587; H.R. 200); Mortgage Loan Limits (H.R. 587; H.R. 2483); Homebuyer Tax Credit (H.R. 5623); National Flood Insurance Program (H.R. 5569).

Client expense: Not reported · Firm income: Not reported

HR. 3044 - Title insurance, RESPA, mortgage impariment issues and appraiser services; H.R. 1, Flood Insurance Reform and Modernization Act. HR 178 and HR 3126, home approval management issues.

Client expense: Not reported · Firm income: Not reported

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

Placing a moratorium on new appraisal rules: H.R. 3044 - "to impose an 18-month moratorium on the Home Valuation Code of Conduct." Homeowner Relief Efforts: H.R. 3066 - "Temporary Mortgage Assistance Loan Act of 2009" H.R. 3068 - "TARP for Main Street Act of 2009" H.R. 384 - "TARP Reform and Accountability Act of 2009" HR 3142 - "Homeowners' Emergency Mortgage Assistance Act" HR 3766 - "Main Street TARP Act of 2009" Foreclosure Mitigation: H.R. 1231/S. 117 - "Foreclosure Rescue Fraud Act of 2009" Increasing GSE Loan Limits: H.R. 2483 - "Increasing Homeownership Opportunities Act" Clarification of Federal Regulation on Annuity Contracts and Insurance Policies: S. 1389 - Fixed Indexed Annuities and Insurance Products Classification Act of 2009 Financial Regulatory Reform and clarification of individuals/entities classified as financial institutions: H.R. 4173 - "The Wall Street Reform and Consumer Protection Act of 2009" S. 3217 - "Restoring American Financial Stability Act of 2010" H.R. 3996 - "To improve financial stability, and for other purposes" H.R. 3310 - "Consumer Protection and Regulatory Enhancement Act" H.R. 3126 - "Consumer Financial Protection Agency Act of 2009" Small Business Lending: H.R. 3380 / S. 2919 - "Promoting Lending to America's Small Businesses Act of 2009" Reverse Mortgages: H.R. 4419 - "Reverse Mortgage Elder Protection Act" Letters on Private Transfer Fees to HUD, FHA, FHFA, and GSEs. Letter on HVCC to FHFA Letter on state of Commercia Real Estate Markets to Federal Reserve and Treasury Letter Commenting on FTC's Notice of Proposed Rulemaking Regarding Mortgage Assistance Relief Services (MARS) Letter to Treasury on use of Broker Price Opinions in HAFA program Letter on HUD's SAFE Act Proposed Rule

Client expense: $4,300,000 · Firm income: Not reported

H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (Title I, Title II, Title IV); S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (Entire Bill); the Restoring American Financial Stability Act of 2009 (Discussion Draft) (Title I, Title II, Title III, Title VI, Title VIII, Title X, Title XI, Title XII); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 3904, the Overdraft Protection Act of 2009 (Entire Bill); FHA Reform Act Draft (Entire Bill); S. 2919, the Small Business Lending Enhancement Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3854, the Small Business Financing and Investment Act of 2009 (Entire Bill); H.R. 3614, S. 1513, and S. 1929, to provide a temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 4778, the National Flood Insurance Program Extension Act of 2010 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); H.R. 4691, the Temporary Extension Act of 2010 (Entire Bill); H.R. 4213, the American Workers, State, and Business Relief Act of 2010 (Entire Bill); Job-Creation legislation; Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; First-Time Homebuyer Tax Credit; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Refund Anticipation Loans; Credit Risk Retention; Department of Treasury Financial Services Regulatory Reform proposal entitled "Financial Regulatory Reform: A New Foundation."

H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (Title I, Title II, Title IV); S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (Entire Bill); the Restoring American Financial Stability Act of 2009 (Discussion Draft) (Title I, Title II, Title III, Title VI, Title VIII, Title X, Title XI, Title XII); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 3904, the Overdraft Protection Act of 2009 (Entire Bill); FHA Reform Act Draft (Entire Bill); S. 2919, the Small Business Lending Enhancement Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3854, the Small Business Financing and Investment Act of 2009 (Entire Bill); H.R. 3614, S. 1513, and S. 1929, to provide a temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 4778, the National Flood Insurance Program Extension Act of 2010 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); H.R. 4691, the Temporary Extension Act of 2010 (Entire Bill); H.R. 4213, the American Workers, State, and Business Relief Act of 2010 (Entire Bill); Job-Creation legislation; Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; First-Time Homebuyer Tax Credit; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Refund Anticipation Loans; Credit Risk Retention; Department of Treasury Financial Services Regulatory Reform proposal entitled "Financial Regulatory Reform: A New Foundation."

H.R. 3044, To impose an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied against the FHA instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market. C.A.R. lobbied against the elimination of the spot approval process for FHA condo loans.

HR. 3044 - Title insurance, RESPA, mortgage impariment issues and appraiser services; H.R. 1, Flood Insurance Reform and Modernization Act. HR 178 and HR 3126, home approval management issues.

Client expense: Not reported · Firm income: Not reported

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

Placing a moratorium on new appraisal rules: H.R. 3044 - "to impose an 18-month moratorium on the Home Valuation Code of Conduct." Homeowner Relief Efforts: H.R. 3066 - "Temporary Mortgage Assistance Loan Act of 2009" H.R. 3068 - "TARP for Main Street Act of 2009" H.R. 384 - "TARP Reform and Accountability Act of 2009" HR 3142 - "Homeowners' Emergency Mortgage Assistance Act" HR 3766 - "Main Street TARP Act of 2009" Foreclosure Mitigation: H.R. 1231/S. 117 - "Foreclosure Rescue Fraud Act of 2009" Increasing GSE Loan Limits: H.R. 2483 - "Increasing Homeownership Opportunities Act" Clarification of Federal Regulation on Annuity Contracts and Insurance Policies: S. 1389 - Fixed Indexed Annuities and Insurance Products Classification Act of 2009 Financial Regulatory Reform and clarification of individuals/entities classified as financial institutions: H.R. 4173 - "The Wall Street Reform and Consumer Protection Act of 2009" H.R. 3996 - "To improve financial stability, and for other purposes" H.R. 3310 - "Consumer Protection and Regulatory Enhancement Act" H.R. 3126 - "Consumer Financial Protection Agency Act of 2009" Small Business Lending: H.R. 3380 - "Promoting Lending to America's Small Businesses Act of 2009" Meetings with HUD and Treasury on GSE Restructuring

Client expense: $5,600,000 · Firm income: Not reported

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied against the FHA instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market.

H.R. 3606, the Credit CARD Technical Corrections Act of 2009 (Entire Bill); H.R. 627, Credit Cardholders' Bill of Rights Act of 2009 (Entire Bill); H.R. 787, the Hope for Homeowners Improvement Act of 2009 (Entire Bill); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 786, Permanent Extension of Share Insurance Fund Increase (Entire Bill); H.R. 788, to provide a Safe Harbor for Mortgage Servicers (Entire Bill); H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (Title I, Title II, Title IV); S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (Entire Bill); S. 1927, the Credit Card Rate Freeze Act of 2009 (Entire Bill); the Restoring American Financial Stability Act of 2009 (Discussion Draft) (Title I, Title II, Title III, Title VI, Title VIII, Title X, Title XI, Title XII); H.R. 3766, the Main Street TARP Act of 2009 (Entire Bill); H.R. 3996, the Financial Stability Improvement Act of 2009 (Entire Bill); S. 2919, to advance the ability of credit unions to promote small business growth and economic development opportunities (Entire Bill); H.R. 3904, the Overdraft Protection Act of 2009 (Entire Bill); H.R. 3890, the Accountability and Transparency in Rating Agencies Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3854, the Small Business Financing and Investment Act of 2009 (Entire Bill); H.R. 3614, S. 1513, and S. 1929, to provide a temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958 (Entire Bill); H.R. 3288, the Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 (Division C: Title I, Title V); H.R. 1106, the Helping Families Save Their Homes Act (Title I, Title II, Sections 201, 203, 532, 204, 206, 207, Title III); H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act of 2009 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (Entire Bill); H.R. 3126, the Consumer Financial Protection Agency Act of 2009 (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); S. 414, the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3795, to enact the Over-the-Counter Derivatives Markets Act of 2009 (Entire Bill); H.R. 1214, the Payday Loan Reform Act of 2009; H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2676, the Administrative Support and Oversight for Community Financial Institutions Act of 2009 (Entire Bill); H.R. 885, the Improved Financial and Commodities Market Oversight and Accountability Act (Entire Bill); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2266, the Reasonable Prudence in Regulation Act (Entire Bill); H.R. 1779, the Financial Crimes Resources Act of 2009 (Section 2); H. Res. 556, Recognizing the 75th Anniversary of the Passage of the Federal Credit Union Act (Entire Bill); H.R. 200, the Helping Families Save Their Homes in Bankruptcy Act of 2009 (Entire Bill); H.R. 225, the Emergency Homeownership and Equity Protection Act (Entire Bill); H.R. 384, The TARP Reform and Accountability Act of 2009 (Title I, Sections 101, 103, 104, 105, 106, 109, 111, 113, Title II, Title IV, Title V, Title VI, Title X); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 2351, the Credit Union Share Insurance Stabilization Act of 2009 (Entire Bill); H.R. 3068, the TARP for Main Street Act of 2009 (Sections 1, 2, 3, 4, 5); S. 896, the Helping Families Save Their Homes Act of 2009 (Sections 203, 204, 205, 217); S. 1212, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); S. 257, the Consumer Credit Fairness Act of 2009 (Entire Bill); Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Impact of H1N1 Influenza on Small Businesses; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; First-Time Homebuyer Tax Credit; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Department of Treasury Financial Services Regulatory Reform proposal entitled "Financial Regulatory Reform: A New Foundation."

H.R. 3606, the Credit CARD Technical Corrections Act of 2009 (Entire Bill); H.R. 627, Credit Cardholders' Bill of Rights Act of 2009 (Entire Bill); H.R. 787, the Hope for Homeowners Improvement Act of 2009 (Entire Bill); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 786, Permanent Extension of Share Insurance Fund Increase (Entire Bill); H.R. 788, to provide a Safe Harbor for Mortgage Servicers (Entire Bill); H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (Title I, Title II, Title IV); S. 1799, the Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 (Entire Bill); S. 1927, the Credit Card Rate Freeze Act of 2009 (Entire Bill); the Restoring American Financial Stability Act of 2009 (Discussion Draft) (Title I, Title II, Title III, Title VI, Title VIII, Title X, Title XI, Title XII); H.R. 3766, the Main Street TARP Act of 2009 (Entire Bill); H.R. 3996, the Financial Stability Improvement Act of 2009 (Entire Bill); S. 2919, to advance the ability of credit unions to promote small business growth and economic development opportunities (Entire Bill); H.R. 3904, the Overdraft Protection Act of 2009 (Entire Bill); H.R. 3890, the Accountability and Transparency in Rating Agencies Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3854, the Small Business Financing and Investment Act of 2009 (Entire Bill); H.R. 3614, S. 1513, and S. 1929, to provide a temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958 (Entire Bill); H.R. 3288, the Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 (Division C: Title I, Title V); H.R. 1106, the Helping Families Save Their Homes Act (Title I, Title II, Sections 201, 203, 532, 204, 206, 207, Title III); H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act of 2009 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (Entire Bill); H.R. 3126, the Consumer Financial Protection Agency Act of 2009 (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); S. 414, the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3795, to enact the Over-the-Counter Derivatives Markets Act of 2009 (Entire Bill); H.R. 1214, the Payday Loan Reform Act of 2009; H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2676, the Administrative Support and Oversight for Community Financial Institutions Act of 2009 (Entire Bill); H.R. 885, the Improved Financial and Commodities Market Oversight and Accountability Act (Entire Bill); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2266, the Reasonable Prudence in Regulation Act (Entire Bill); H.R. 1779, the Financial Crimes Resources Act of 2009 (Section 2); H.Res. 556, Recognizing the 75th Anniversary of the Passage of the Federal Credit Union Act (Entire Bill); H.R. 200, the Helping Families Save Their Homes in Bankruptcy Act of 2009 (Entire Bill); H.R. 225, the Emergency Homeownership and Equity Protection Act (Entire Bill); H.R. 384, The TARP Reform and Accountability Act of 2009 (Title I, Sections 101, 103, 104, 105, 106, 109, 111, 113, Title II, Title IV, Title V, Title VI, Title X); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 2351, the Credit Union Share Insurance Stabilization Act of 2009 (Entire Bill); H.R. 3068, the TARP for Main Street Act of 2009 (Sections 1, 2, 3, 4, 5); S. 896, the Helping Families Save Their Homes Act of 2009 (Sections 203, 204, 205, 217); S. 1212, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); S. 257, the Consumer Credit Fairness Act of 2009 (Entire Bill); Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Impact of H1N1 Influenza on Small Businesses; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; First-Time Homebuyer Tax Credit; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Department of Treasury Financial Services Regulatory Reform proposal entitled "Financial Regulatory Reform: A New Foundation."

H.R. 3044, To impose an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR. 3044 - Title insurance, RESPA, mortgage impariment issues and appraiser services; H.R. 1, Flood Insurance Reform and Modernization Act. HR 178 and HR 3126, home approval management issues.

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

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

Placing a moratorium on new appraisal rules: H.R. 3044 - "to impose an 18-month moratorium on the Home Valuation Code of Conduct." Homeowner Relief Efforts: H.R. 3066 - "Temporary Mortgage Assistance Loan Act of 2009" H.R. 3068 - "TARP for Main Street Act of 2009" H.R. 384 - "TARP Reform and Accountability Act of 2009" HR 3142 - "Homeowners' Emergency Mortgage Assistance Act" Foreclosure Mitigation: H.R. 1231/S. 117 - "Foreclosure Rescue Fraud Act of 2009" Increasing GSE Loan Limits: H.R. 2483 - "Increasing Homeownership Opportunities Act" Clarification of Federal Regulation on Annuity Contracts and Insurance Policies: S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act of 2009 Clarification of individuals/entities classified as financial institutions: H.R. 3126 - "Consumer Financial Protection Agency Act of 2009" Financial Regulatory Reform: H.R. 3310, S. ____ - "Consumer Protection and Regulatory Enhancement Act" Conversations with FHFA Regarding GSE Fee Increases and GSE Loan Limit Changes Discussions with Department of the Treasury and the Federal Reserve System Regarding Increasing Liquidity in Residential and Commercial Mortage-Backed Security Markets Roundtable with FHFA on foreclosure alternatives, also attended by HUD and Treasury Meetings with HUD/FHA, FHFA on Home Appraisal Rules

Client expense: $4,220,000 · Firm income: Not reported

H.R. 3606, the Credit CARD Technical Corrections Act of 2009 (Entire Bill); H.R. 627, Credit Cardholders' Bill of Rights Act of 2009 (Entire Bill); H.R. 787 Hope for Homeowners Improvement Act of 2009 (Entire Bill); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 786, Permanent Extension of Share Insurance Fund Increase (Entire Bill); H.R. 788, to provide a Safe Harbor for Mortgage Servicers (Entire Bill); H.R. 1106, the Helping Families Save Their Homes Act (Title I, Title II, Sections 201, 203, 532, 204, 206, 207, Title III); H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act of 2009 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (Entire Bill); H.R. 3126, the Consumer Financial Protection Agency Act of 2009 (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); S. 414, the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3795, to enact the Over-the-Counter Derivatives Markets Act of 2009 (Entire Bill); H.R. 1214, the Payday Loan Reform Act of 2009; H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2676, the Administrative Support and Oversight for Community Financial Institutions Act of 2009 (Entire Bill); H.R. 885, the Improved Financial and Commodities Market Oversight and Accountability Act (Entire Bill); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2266, the Reasonable Prudence in Regulation Act (Entire Bill); H.R. 1779, the Financial Crimes Resources Act of 2009 (Section 2); H.Res. 556, Recognizing the 75th Anniversary of the Passage of the Federal Credit Union Act (Entire Bill); H.R. 200, the Helping Families Save Their Homes in Bankruptcy Act of 2009 (Entire Bill); H.R. 225, the Emergency Homeownership and Equity Protection Act (Entire Bill); H.R. 384, The TARP Reform and Accountability Act of 2009 (Title I, Sections 101, 103, 104, 105, 106, 109, 111, 113, Title II, Title IV, Title V, Title VI, Title X); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 2351, the Credit Union Share Insurance Stabilization Act of 2009 (Entire Bill); H.R. 3068, the TARP for Main Street Act of 2009 (Sections 1, 2, 3, 4, 5); S. 896, the Helping Families Save Their Homes Act of 2009 (Sections 203, 204, 205, 217); S. 1212, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); S. 257, the Consumer Credit Fairness Act of 2009 (Entire Bill); Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Impact of H1N1 Influenza on Small Businesses; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Department of Treasury Financial Services Regulatory Reform proposal entitled "Financial Regulatory Reform: A New Foundation."

H.R. 3606, the Credit CARD Technical Corrections Act of 2009 (Entire Bill); H.R. 627, Credit Cardholders' Bill of Rights Act of 2009 (Entire Bill); H.R. 787 Hope for Homeowners Improvement Act of 2009 (Entire Bill); H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009 (Entire Bill); H.R. 786, Permanent Extension of Share Insurance Fund Increase (Entire Bill); H.R. 788, to provide a Safe Harbor for Mortgage Servicers (Entire Bill); H.R. 1106, the Helping Families Save Their Homes Act (Title I, Title II, Sections 201, 203, 532, 204, 206, 207, Title III); H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act of 2009 (Entire Bill); H.R. 3044, to delay the implementation of the Home Valuation Code of Conduct (Entire Bill); H.R. 3639, the Expedited CARD Reform for Consumers Act of 2009 (Entire Bill); H.R. 3126, the Consumer Financial Protection Agency Act of 2009 (Entire Bill); H.R. 2382, the Credit Card Interchange Fees Act of 2009 (Entire Bill); H.R. 2695, the Credit Card Fair Fee Act of 2009 (Entire Bill); S. 414, the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 3723, the Small Business Credit Expansion and Loan Markets Stabilization Act of 2009 (Entire Bill); H.R. 3795, to enact the Over-the-Counter Derivatives Markets Act of 2009 (Entire Bill); H.R. 1214, the Payday Loan Reform Act of 2009; H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009 (Entire Bill); H.R. 3221, the Student Aid and Fiscal Responsibility Act of 2009 (Title II); H.R. 2676, the Administrative Support and Oversight for Community Financial Institutions Act of 2009 (Entire Bill); H.R. 885, the Improved Financial and Commodities Market Oversight and Accountability Act (Entire Bill); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); H.R. 2266, the Reasonable Prudence in Regulation Act (Entire Bill); H.R. 1779, the Financial Crimes Resources Act of 2009 (Section 2); H. Res. 556, Recognizing the 75th Anniversary of the Passage of the Federal Credit Union Act (Entire Bill); H.R. 200, the Helping Families Save Their Homes in Bankruptcy Act of 2009 (Entire Bill); H.R. 225, the Emergency Homeownership and Equity Protection Act (Entire Bill); H.R. 384, The TARP Reform and Accountability Act of 2009 (Title I, Sections 101, 103, 104, 105, 106, 109, 111, 113, Title II, Title IV, Title V, Title VI, Title X); H.R. 2336, the GREEN Act of 2009 (Entire Bill); H.R. 2351, the Credit Union Share Insurance Stabilization Act of 2009 (Entire Bill); H.R. 3068, the TARP for Main Street Act of 2009 (Sections 1, 2, 3, 4, 5); S. 896, the Helping Families Save Their Homes Act of 2009 (Sections 203, 204, 205, 217); S. 1212, the Credit Card Fair Fee Act of 2009 (Entire Bill); H.R. 1479, the Community Reinvestment Modernization Act of 2009 (Entire Bill); S. 257, the Consumer Credit Fairness Act of 2009 (Entire Bill); Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Impact of H1N1 Influenza on Small Businesses; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Pension Relief; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; Department of Treasury Financial Services Regulatory Reform proposal entitled "Financial Regulatory Reform: A New Foundation."

H.R. 3126; H.R. 3044, H.R. 1728; The Home Valuation Code of Conduct; The Federal Reserve Board Proposed Changes to Regulation Z (TIL); HUD's Real Estate Settlement Procedures Act (RESPA)

Client expense: $409,509 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of

H.R. 3126, the "Consumer Financial Protection Agency Act of 2009"; H.R. 3044, the HVCC; Federal Reserve Board Proposed Changes to Regulation Z (Truth in Lending)

Client expense: $409,509 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of

H.R. 3044, To impose an 18-month moratorium on the Home Valuation Code of Conduct.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Tracked entire bills of the following as they pertain to federal credit unions: H.R.3269, the Corporate and Financial Institution Compensation Fairness Act of 2009 H.R.1214, the Payday Loan Reform Act of 2009 H.R. 3044, To impose an 18-month moratorium on the Home Valuation Code of Conduct. Issues related to consumer affairs; entire bills of the following: H.R.1456, Consumer Overdraft Protection Fair Practices Act H.RES.556, Recognizing the 75th anniversary of the passage of the Federal Credit Union Act and the vibrant Federal credit union community that was created as a result of this important piece of legislation. FY10 Admin Budget Req (House & Senate)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 230 - Housing Opportunity and Mortgage Equity Act of 2009 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 527 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 787 -Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. Eliminates the requirement to certify that there has been no intentional default on any other debt. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 1285 - To establish the Commission on the Foreclosure and Mortgage Lending Crisis. H.R. 1295 - To mitigate mortgage foreclosures, facilitate and include fairness in housing recovery, and combat mortgage fraud, and for other purposes. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. S. 3 - Homeowner Protection and Wall Street Accountability Act of 2009 - Expresses the sense of Congress that Congress should enact, and the President should sign, legislation to: (1) stabilize the housing market and assist homeowners by imposing a temporary moratorium on foreclosures, removing impediments to the modification of distressed mortgages, creating tax and other incentives to help prevent foreclosures and encourage refinancing into affordable and sustainable mortgage solutions, and pursuing other foreclosure-prevention policies through the Troubled Asset Relief Program (TARP) or other programs S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit. S. 117 - Foreclosure Rescue Fraud Act of 2009 - Prohibits a foreclosure consultant from: (1) receiving compensation from a homeowner for services performed regarding residential real property until such consultant has fully performed each service contracted for; (2) holding power of attorney from any homeowner, except to inspect documents; (3) receiving consideration from a third party in connection with services rendered to a homeowner regarding the foreclosure, unless such consideration is fully, clearly, and conspicuously disclosed before such services are rendered; (4) accepting any security to secure compensation for services rendered regarding foreclosure of the residential real property; or (5) acquiring any interest in the residence of a homeowner with whom the consultant has contracted. C.A.R. lobbied against the GSE Housing Valuation Code of Conduct that was agreed to by Fannie Mae, Freddie Mac, and the NY Attorney General.

HR. 3044 - Title insurance, RESPA, mortgage impariment issues and appraiser services; H.R. 1, Flood Insurance Reform and Modernization Act.

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

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

H.R. 3221, H.R. 3044, Home Valuation Code of Conduct, RESPA

Client expense: $1,079,298 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

H.R. 3221, Home Valuation Code of Conduct, H.R. 3044, RESPA

Client expense: $1,079,298 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 230 - Housing Opportunity and Mortgage Equity Act of 2009 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 527 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 787 -Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. Eliminates the requirement to certify that there has been no intentional default on any other debt. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 1285 - To establish the Commission on the Foreclosure and Mortgage Lending Crisis. H.R. 1295 - To mitigate mortgage foreclosures, facilitate and include fairness in housing recovery, and combat mortgage fraud, and for other purposes. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. S. 3 - Homeowner Protection and Wall Street Accountability Act of 2009 - Expresses the sense of Congress that Congress should enact, and the President should sign, legislation to: (1) stabilize the housing market and assist homeowners by imposing a temporary moratorium on foreclosures, removing impediments to the modification of distressed mortgages, creating tax and other incentives to help prevent foreclosures and encourage refinancing into affordable and sustainable mortgage solutions, and pursuing other foreclosure-prevention policies through the Troubled Asset Relief Program (TARP) or other programs S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit. S. 117 - Foreclosure Rescue Fraud Act of 2009 - Prohibits a foreclosure consultant from: (1) receiving compensation from a homeowner for services performed regarding residential real property until such consultant has fully performed each service contracted for; (2) holding power of attorney from any homeowner, except to inspect documents; (3) receiving consideration from a third party in connection with services rendered to a homeowner regarding the foreclosure, unless such consideration is fully, clearly, and conspicuously disclosed before such services are rendered; (4) accepting any security to secure compensation for services rendered regarding foreclosure of the residential real property; or (5) acquiring any interest in the residence of a homeowner with whom the consultant has contracted. C.A.R. lobbied against the new GSE Housing Valuation Code of Conduct that was agreed to by Fannie Mae, Freddie Mac, and the NY Attorney General.

Placing a moratorium on new appraisal rules: H.R. 3044 - "to impose an 18-month moratorium on the Home Valuation Code of Conduct." Homeowner Relief Efforts: H.R. 3066 - "Temporary Mortgage Assistance Loan Act of 2009" H.R. 3068 - "TARP for Main Street Act of 2009" H.R. 384 - "TARP Reform and Accountability Act of 2009" Foreclosure Mitigation: H.R. 1231/S. 117 - "Foreclosure Rescue Fraud Act of 2009" Enforcement of Mortgage and Financial Fraud: S. 386 - "Fraud Enforcement and Recovery Act of 2009" Increasing GSE Loan Limits: H.R. 2483 - "Increasing Homeownership Opportunities Act" Conversations with FHFA Regarding GSE Fee Increases and GSE Loan Limit Changes Discussions with Department of the Treasury and the Federal Reserve System Regarding Increasing Liquidity in Residential and Commercial Mortage-Backed Security Markets

Client expense: $3,840,000 · Firm income: Not reported