TARP for Main Street Act of 2009

Monitoring program access and grants being created in new legislation: H.R. 3068 - TARP for Main Street Act of 2009; H.R. 3045 - Section 8 Voucher Reform Act of 2009; H.R.2847 - Hiring Incentives to Restore Employment Act; S. 1731 Preserving Homes and Communities Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitoring program access and grants being created in new legislation: H.R. 3068 - TARP for Main Street Act of 2009; H.R. 3045 - Section 8 Voucher Reform Act of 2009; H.R.2847 - Hiring Incentives to Restore Employment Act; S. 1731 Preserving Homes and Communities Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 384, TARP Reform and Accountability Act of 2009 H.R. 2336, GREEN Act of 2009, multifamily mortgage provisions; assisted housing porvisions H.R. 3068, TARP for Main Street Act of 2009, multifamily mortgage provisions H.R. 1778, Retrofit for Energy and Environmental Performance (REEP) Program Act H.R. 2246, Community Building Code Administration Grant Act of 2009 S.1379, A bill to encourage energy efficiency and conservation and development of renewable energy sources for housing, commercial structures, and other buildings, and to create sustainable communities. H.R. 3045, Section 8 Voucher Reform Act of 2009- assisted housing provisions, multifamily owner provisions, foreclosure provisions H.R. 3288, Transportation/HUD Appropriations-assisted housing provisions, energy performance provisions H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009, mortage reform provisions, mortgage lending provisions, foreclosure provisions H.R. 476, The Housing Fairness Act of 2009 H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009 Housing Finance-What Should the New System Be Able to Do?: Part I-Government and Stakeholder Perspectives (House Committee on Financial Services Hearing) H.R. 4868, Housing Preservation and Tenant Protection Act of 2010-ivestor/owner provisions, tenant access provisions H.R. 4851, The Continuing Extension Act of 2010 H.R. 5028, Right to Rent-all provisions H.R. 5297, Small Business Lending Fund Act - commercail real estate issues H.R. 5361 Responsible GSE Affordable Housing Investment Act-overall, Fannie Freddie as it relates to multifamly housing PETRA, Preservation, Enhancement and transformation Rental Assistance-assited housing provisions H.R. 4099, the energy Efficiency Modernization Act of 2009-provisions on assisted housing, Wall Street Reform H.R. 5072, the FHA Reform Act-multifamily mortgage provisions H.R. 3527, the FHA Multifamily Loan Limit Adjustment Act- all provisions FY 2011 HUD Appropriations-FHA multifamily commitment authority, assisted housing provisions H.R. 476, Housing Fairness Act-Section 2 Testing for Discrimination, Section 3 FHIP Funding, Section 5 Studies

Client expense: $550,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Product Safety Commission (CPSC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

Monitoring program access and grants being created in new legislation: H.R. 3068 - TARP for Main Street Act of 2009; H.R. 3045 - Section 8 Voucher Reform Act of 2009; H.R.2847 - Hiring Incentives to Restore Employment Act; S. 1731 Preserving Homes and Communities Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitoring program access and grants being created in new legislation: H.R. 3068 - TARP for Main Street Act of 2009; H.R. 3045 - Section 8 Voucher Reform Act of 2009; H.R.2847 - Hiring Incentives to Restore Employment Act; S. 1731 Preserving Homes and Communities Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitoring program access and grants being created in new legislation: H.R. 3068 - TARP for Main Street Act of 2009; H.R. 3045 - Section 8 Voucher Reform Act of 2009; H.R.2847 - Hiring Incentives to Restore Employment Act; S. 1731 Preserving Homes and Communities Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. S. 1678 Congress adopted an extended and expanded homebuyer tax credit which expires on December 31, 2009. H.R. 3068-A bill to use amounts made available under the Troubled Assets Relief Program to the Secretary of the Treasury for relief for homeowners and neighborhoods. FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. Floor Plan Lending: The SBA has approved a pilot program that would provide loans to retail sales centers for floor plan financing, including manufactured homes. The pilot begins on July 1 and expires on October 1, 2010. H.R. 3126 A bill to establish the Consumer Financial Protection Agency. H.R. 4173 Dodd-Frank Wall Street Reform & Consumer Protection Act - Public Law No: 111-203. Directs the Comptroller General to audit and report to Congress within two years after enactment of this Act on all actions taken by the Board of Governors of the Federal Reserve System (Federal Reserve Board) and the federal reserve banks during the current economic crisis. H.R. 5297 Small Business Jobs & Creidt Act of 2010. Establishes in the Treasury the Small Business Lending Fund, administered by the Secretary of the Treasury to cover purchases of preferred stock and other financial instruments from eligible institutions (Small Business Lending Fund Program). Limits the aggregate amount of purchases to $30 billion. H.R. 5369 - To amend the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to exempt manufactured and modular housing retailers from the requirements of the SAFE Act.

Client expense: $110,172 · Firm income: Not reported

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Small Business Administration (SBA), Treasury, Dept of

Support HR 3068, Mortgage Legislation

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

Government targets: Army, Dept of (Corps of Engineers), Federal Aviation Administration (FAA), Federal Railroad Administration, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support full funding for the Affordable Housing Trust Fund . Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Ensure adequate housing for low-income veterans. Support H.R. 476 and H.R. 403. Support Shaun Donovan as Secretary of HUD. Support comprehensive relief for homelessness. Increase funding for additional testing and testers to uncover housing discrimination. Support the establishment of a Consumer Financial Protection Agency (working to improve H.R. 3126), and the inclusion of all real estate professionals in CFPA oversight. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Oppose allowing guns in public housing. Support HR 3068. Ensure that the Home Affordable Modification Program (HAMP) works well and results in affordable, sustainable loan modifications. Support proposals that would require that a portion of TARP funds to be directed towards assisting those targeted by predatory lenders, including racial and ethnic minorities. Supported legislation to make it easier for homeowners to modify their loans through the Hope for Homeowners program (supported S. 896). Opposed requiring residents of public housing to perform community service each month. Support funding for the Hope VI program. Support funding ($1 billion) for the National Housing Trust Fund. Support for HR 4810, increasing the annual authorization for programs to help homeless veterans. Support improving the HAMP program. Support tenent mobility in HR 5814. Support increase in funding for the FHIP (Fair Housing Initiatives Program) and FHAP (the Fair Housing Assistance Program) programs; support H.R. 476. Support the President's veto of H. R. 3808, the Interstate Recognition of Notarizations Act of 2010 due to concerns that it would make it easier for large, interstate financial services companies to erroneously foreclose on homes.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), 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), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

FHA Loan Limit Increase; Increasing GSE Loan Limits HR 2483 - Increasing Homeownership Opportunities Act FHA Oversight HR 2467- FHA Enhanced Oversight Act of 2009 Studies on FHA Mortgage Insurance HR 2995- Disaster State Housing Recovery Act of 2009 Use of TARP Funds for Homeowner Relief and Affordable Rental Housing; Homeowner Relief Efforts HR 3766- Main Street TARP Act of 2009 Relief for Victims of Gulf Cost Oil Spill HR 5601- Gulf Coast Homeowners Relief Act of 2010 Funding for Rural Housing Service Programs HR 4899- Disaster/War Supplemental Appropriations HR 5017- Rural Housing Preservation and Stabilization Act of 2010 S 3266- Rural Housing Preservation and Stabilization Act of 2010 Establishment of a Monument Commemorating Passage of the "Fair Housing Act" HR 3425 - A bill to authorize the Fair Housing Commemorative Foundation to establish a commemorative work on Federal land in the District of Columbia to commemorate the enactment of the Fair Housing Act in 1968 FHA Downpayment Requirements HR 3706- FHA Taxpayer Protection Act of 2009 FHA Loan Limit Increase HR 2483- Increasing Homeownership Opportunities Act HR 587- A bill to increase the loan limits for the FHA single family housing mortgage insurance programs and reverse mortgage program and for the conforming loan limits for Fannie Mae and Freddie Mac during 2009 FHA Modernization HR 3146- 21st Century FHA Housing Act of 2009 FHA Prohibition on Seller-funded Downpayment Assistance HR 600- FHA Seller-Financed Downpayment Reform Act of 2009 Homeowner Relief Efforts HR 3066- Temporary Mortgage Assistance Loan Act of 2009 HR 3068- TARP for Main Street Act of 2009 HR 3142- Homeowners' Emergency Mortgage Assistance ActHOU HR 3766- Main Street TARP Act of 2009 Modifications to Improve FHA Stability HR 5072- FHA Reform Act of 2010 Prevention of Housing Discrimination HR 476- Housing Fairness Act of 2009 S 3704 - Housing Fairness Act of 2009 Protection of Affordable Housing HR 4868- Housing Preservation and Tenant Protection Act Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents HR 3026 - Hazard Mitigation For All Act of 2009 Recognition of the Value of Homeownership H Res 1434- A resolution recognizing National Homeownership Month and the importance of homeownership in the United States Reform of Section 8 Programs HR 3045- Section 8 Voucher Reform Act of 2009 Studies on FHA Mortgage Insurance HR 2467- FHA Enhanced Oversight Act of 2009HOU (Housing) Changes to FHA Insurance Programs HR 5981 - A bill to increase the flexibility of the secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance, and for other purposes. HR 6256 - Strengthening FHA Through Shared Equity Homeownership Act of 2010 Allowing Homeowners in Foreclosure Proceedings to Remain in their Homes as Renters HR 5028 - Right to Rent Act of 2010 Meetings with USDA on multifamily rural housing Meetings with HUD on multifamily assisted housing

Client expense: $4,760,000 · 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

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 FDIC, SBA, and Treasury on small business lending Meetings with Treasury on Home Affordable Mortgage Program Roundtable with Treasury on Housing Finance, Generally Meetings with FHFA on Government Sponsored Enterprises

Client expense: $4,760,000 · 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

Monitoring program access and grants being created in new legislation: H.R. 3068 - TARP for Main Street Act of 2009; H.R. 3045 - Section 8 Voucher Reform Act of 2009; H.R.2847 - Hiring Incentives to Restore Employment Act; S. 1731 Preserving Homes and Communities Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 384, TARP Reform and Accountability Act of 2009 H.R. 2336, GREEN Act of 2009, multifamily mortgage provisions; assisted housing provisions H.R. 3068, TARP for Main Street Act of 2009, multifamily mortgage provisions H.R. 1778, Retrofit for Energy and Environmental Performance (REEP) Program Act H.R. 2246, Community Building Code Administration Grant Act of 2009 S.1379, A bill to encourage energy efficiency and conservation and development of renewable energy sources for housing, commercial structures, and other buildings, and to create sustainable communities. H.R. 3045, Section 8 Voucher Reform Act of 2009- assisted housing provisions, multifamily owner provisions, foreclosure provisions H.R. 3288, Transportation/HUD Appropriations-assisted housing provisions, energy performance provisions H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009, mortage reform provisions, mortgage lending provisions, foreclosure provisions H.R. 476, The Housing Fairness Act of 2009 H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009 Housing Finance-What Should the New System Be Able to Do?: Part I-Government and Stakeholder Perspectives (House Committee on Financial Services Hearing) H.R. 4868, Housing Preservation and Tenant Protection Act of 2010-ivestor/owner provisions, tenant access provisions H.R. 4851, The Continuing Extension Act of 2010 H.R. 5028, Right to Rent-all provisions H.R. 5297, Small Business Lending Fund Act - commercail real estate issues H.R. 5361 Responsible GSE Affordable Housing Investment Act-overall, Fannie Freddie as it relates to multifamly housing PETRA, Preservation, Enhancement and transformation Rental Assistance-assited housing provisions H.R. 4099, the energy Efficiency Modernization Act of 2009-provisions on assisted housing, Wall Street Reform H.R. 5072, the FHA Reform Act-multifamily mortgage provisions H.R. 3527, the FHA Multifamily Loan Limit Adjustment Act- all provisions H.R. 5850, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2011, HUD mulfifamily appropriation provisions S. 3644, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2011, HUD mulfifamily appropriation provisions FY 2011 HUD Appropriations-FHA multifamily commitment authority, assisted housing provisions H.R. 476, Housing Fairness Act-Section 2 Testing for Discrimination, Section 3 FHIP Funding, Section 5 Studies

Client expense: $498,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

HR 1020, Arbitration Fairness Act of 2009 HR 1754, The Financial System Stabilization and Reform Act of 2009 S 664, The Financial System Stabilization and Reform Act of 2009 HR 1106, The Helping Families Save their Homes Act of 2009 HR 302, A Bill to require the SEC to reinstate the uptick rule on short sales of securities HR 786, To make permanent the temporary increase in deposit insurance coverage HR 1214, The Payday Loan Reform Act of 2009 HR 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act HR 3068, TARP for Main Street Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 HR 3126, The Consumer Financial Protection Agency Act 2009 HR 3795, The Over the Counter Derivatives Markets Act of 2009 HR 3310, Financial Services Regulatory Reform HR 3300, Derivative Trading Accountability and Disclosure Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 S 272, The Derivatives Trading Integrity Act of 2009 HR 2382, The Credit Card Interchange Fees Act of 2009 HR 4173, The Wall Street Reform and Consumer Protection Act of 2009 HR 3890, The Accountability and Transparency in Rating Agencies Act HR 3817, Investor Protection Act of 2009 HR 3996, Financial Stability Improvement Act of 2009 Bank Tax

Client expense: $7,310,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), 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), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)

FHA Loan Limit Increase; Increasing GSE Loan Limits HR 2483 - Increasing Homeownership Opportunities Act FHA Oversight HR 2467- FHA Enhanced Oversight Act of 2009 Studies on FHA Mortgage Insurance HR 2995- Disaster State Housing Recovery Act of 2009 Use of TARP Funds for Homeowner Relief and Affordable Rental Housing; Homeowner Relief Efforts HR 3766- Main Street TARP Act of 2009 Relief for Victims of Gulf Cost Oil Spill HR 5601- Gulf Coast Homeowners Relief Act of 2010 Funding for Rural Housing Service Programs HR 4899- Disaster/War Supplemental Appropriations HR 5017- Rural Housing Preservation and Stabilization Act of 2010 S 3266- Rural Housing Preservation and Stabilization Act of 2010 Establishment of a Monument Commemorating Passage of the "Fair Housing Act" HR 3425 - A bill to authorize the Fair Housing Commemorative Foundation to establish a commemorative work on Federal land in the District of Columbia to commemorate the enactment of the Fair Housing Act in 1968 FHA Downpayment Requirements HR 3706- FHA Taxpayer Protection Act of 2009 FHA Loan Limit Increase HR 2483- Increasing Homeownership Opportunities Act HR 587- A bill to increase the loan limits for the FHA single family housing mortgage insurance programs and reverse mortgage program and for the conforming loan limits for Fannie Mae and Freddie Mac during 2009 FHA Modernization HR 3146- 21st Century FHA Housing Act of 2009 FHA Prohibition on Seller-funded Downpayment Assistance HR 600- FHA Seller-Financed Downpayment Reform Act of 2009 Homeowner Relief Efforts HR 3066- Temporary Mortgage Assistance Loan Act of 2009 HR 3068- TARP for Main Street Act of 2009 HR 3142- Homeowners' Emergency Mortgage Assistance ActHOU HR 3766- Main Street TARP Act of 2009 Modifications to Improve FHA Stability HR 5072- FHA Reform Act of 2010 Prevention of Housing Discrimination HR 476- Housing Fairness Act of 2009 S 3704 - Housing Fairness Act of 2009 Protection of Affordable Housing HR 4868- Housing Preservation and Tenant Protection Act Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents HR 3026 - Hazard Mitigation For All Act of 2009 Recognition of the Value of Homeownership H Res 1434- A resolution recognizing National Homeownership Month and the importance of homeownership in the United States Reform of Section 8 Programs HR 3045- Section 8 Voucher Reform Act of 2009 Studies on FHA Mortgage Insurance HR 2467- FHA Enhanced Oversight Act of 2009HOU (Housing) Changes to FHA Insurance Programs HR 5981 - A bill to increase the flexibility of the secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance, and for other purposes. HR 6256 - A bill to establish a shared equity homeownership pilot program for FHA mortgage insurance. Allowing Homeowners in Foreclosure Proceedings to Remain in their Homes as Renters HR 5028 - Right to Rent Act of 2010 Meetings with HUD on Condo Rules Meetings with FHA on FHA Reform and Loan Limits.

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

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. 384, TARP Reform and Accountability Act of 2009 H.R. 2336, GREEN Act of 2009, multifamily mortgage provisions; assisted housing provisions H.R. 3068, TARP for Main Street Act of 2009, multifamily mortgage provisions H.R. 1778, Retrofit for Energy and Environmental Performance (REEP) Program Act H.R. 2246, Community Building Code Administration Grant Act of 2009 S.1379, A bill to encourage energy efficiency and conservation and development of renewable energy sources for housing, commercial structures, and other buildings, and to create sustainable communities. H.R. 3045, Section 8 Voucher Reform Act of 2009- assisted housing provisions, multifamily owner provisions, foreclosure provisions H.R. 3288, Transportation/HUD Appropriations-assisted housing provisions, energy performance provisions H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009, mortage reform provisions, mortgage lending provisions, foreclosure provisions H.R. 476, The Housing Fairness Act of 2009 H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009 Housing Finance-What Should the New System Be Able to Do?: Part I-Government and Stakeholder Perspectives (House Committee on Financial Services Hearing) H.R. 4868, Housing Preservation and Tenant Protection Act of 2010-ivestor/owner provisions, tenant access provisions H.R. 4851, The Continuing Extension Act of 2010 H.R. 5028, Right to Rent-all provisions H.R. 5297, Small Business Lending Fund Act - commercail real estate issues H.R. 5361 Responsible GSE Affordable Housing Investment Act-overall, Fannie Freddie as it relates to multifamly housing PETRA, Preservation, Enhancement and transformation Rental Assistance-assited housing provisions H.R. 4099, the energy Efficiency Modernization Act of 2009-provisions on assisted housing, Wall Street Reform H.R. 5072, the FHA Reform Act-multifamily mortgage provisions H.R. 3527, the FHA Multifamily Loan Limit Adjustment Act- all provisions H.R. 5850, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2011, HUD mulfifamily appropriation provisions S. 3644, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2011, HUD mulfifamily appropriation provisions FY 2011 HUD Appropriations-FHA multifamily commitment authority, assisted housing provisions H.R. 476, Housing Fairness Act-Section 2 Testing for Discrimination, Section 3 FHIP Funding, Section 5 Studies

Client expense: $380,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support full funding for the Affordable Housing Trust Fund . Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Ensure adequate housing for low-income veterans. Support H.R. 476 and H.R. 403. Support Shaun Donovan as Secretary of HUD. Support comprehensive relief for homelessness. Increase funding for additional testing and testers to uncover housing discrimination. Support the establishment of a Consumer Financial Protection Agency (working to improve H.R. 3126), and the inclusion of all real estate professionals in CFPA oversight. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Oppose allowing guns in public housing. Support HR 3068. Ensure that the Home Affordable Modification Program (HAMP) works well and results in affordable, sustainable loan modifications. Support proposals that would require that a portion of TARP funds to be directed towards assisting those targeted by predatory lenders, including racial and ethnic minorities. Supported legislation to make it easier for homeowners to modify their loans through the Hope for Homeowners program (supported S. 896). Opposed requiring residents of public housing to perform community service each month. Support funding for the Hope VI program. Support funding ($1 billion) for the National Housing Trust Fund. Support for HR 4810, increasing the annual authorization for programs to help homeless veterans. support improving the HAMP program. Support tenent mobility in HR 5814.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), 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), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Support HR 3068, Mortgage Legislation

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

Government targets: Army, Dept of (Corps of Engineers), Federal Aviation Administration (FAA), Federal Railroad Administration, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Monitoring program access and grants being created in new legislation: H.R. 3068 - TARP for Main Street Act of 2009; H.R. 3045 - Section 8 Voucher Reform Act of 2009; H.R.2847 - Hiring Incentives to Restore Employment Act; S. 1731 Preserving Homes and Communities Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. S. 1678 Congress adopted an extended and expanded homebuyer tax credit which expires on December 31, 2009. H.R. 3068-A bill to use amounts made available under the Troubled Assets Relief Program to the Secretary of the Treasury for relief for homeowners and neighborhoods. FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. Floor Plan Lending: The SBA has approved a pilot program that would provide loans to retail sales centers for floor plan financing, including manufactured homes. The pilot begins on July 1 and expires on October 1, 2010. H.R. 3126 A bill to establish the Consumer Financial Protection Agency. H.R. 4173 Dodd-Frank Wall Street Reform & Consumer Protection Act - Public Law No: 111-203. Directs the Comptroller General to audit and report to Congress within two years after enactment of this Act on all actions taken by the Board of Governors of the Federal Reserve System (Federal Reserve Board) and the federal reserve banks during the current economic crisis. H.R. 5297 Small Business Jobs & Creidt Act of 2010. Establishes in the Treasury the Small Business Lending Fund, administered by the Secretary of the Treasury to cover purchases of preferred stock and other financial instruments from eligible institutions (Small Business Lending Fund Program). Limits the aggregate amount of purchases to $30 billion. H.R. 5369 - To amend the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to exempt manufactured and modular housing retailers from the requirements of the SAFE Act.

Client expense: $95,626 · Firm income: Not reported

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of

FHA Loan Limit Increase; Increasing GSE Loan Limits HR 2483 - Increasing Homeownership Opportunities Act FHA Oversight HR 2467- FHA Enhanced Oversight Act of 2009 Studies on FHA Mortgage Insurance HR 2995- Disaster State Housing Recovery Act of 2009 Use of TARP Funds for Homeowner Relief and Affordable Rental Housing; Homeowner Relief Efforts HR 3766- Main Street TARP Act of 2009 Relief for Victims of Gulf Cost Oil Spill HR 5601- Gulf Coast Homeowners Relief Act of 2010 Funding for Rural Housing Service Programs HR 4899- Disaster/War Supplemental Appropriations HR 5017- Rural Housing Preservation and Stabilization Act of 2010 S 3266- Rural Housing Preservation and Stabilization Act of 2010 Establishment of a Monument Commemorating Passage of the "Fair Housing Act" HR 3425 - A bill to authorize the Fair Housing Commemorative Foundation to establish a commemorative work on Federal land in the District of Columbia to commemorate the enactment of the Fair Housing Act in 1968 FHA Downpayment Requirements HR 3706- FHA Taxpayer Protection Act of 2009 FHA Loan Limit Increase HR 2483- Increasing Homeownership Opportunities Act HR 587- A bill to increase the loan limits for the FHA single family housing mortgage insurance programs and reverse mortgage program and for the conforming loan limits for Fannie Mae and Freddie Mac during 2009 FHA Modernization HR 3146- 21st Century FHA Housing Act of 2009 FHA Prohibition on Seller-funded Downpayment Assistance HR 600- FHA Seller-Financed Downpayment Reform Act of 2009 Homeowner Relief Efforts HR 3066- Temporary Mortgage Assistance Loan Act of 2009 HR 3068- TARP for Main Street Act of 2009 HR 3142- Homeowners' Emergency Mortgage Assistance ActHOU HR 3766- Main Street TARP Act of 2009 Modifications to Improve FHA Stability HR 5072- FHA Reform Act of 2010 Prevention of Housing Discrimination HR 476- Housing Fairness Act of 2009 Protection of Affordable Housing HR 4868- Housing Preservation and Tenant Protection Act Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents HR 3026 - Hazard Mitigation For All Act of 2009 Recognition of the Value of Homeownership H Res 1434- A resolution recognizing National Homeownership Month and the importance of homeownership in the United States Reform of Section 8 Programs HR 3045- Section 8 Voucher Reform Act of 2009 Studies on FHA Mortgage Insurance HR 2467- FHA Enhanced Oversight Act of 2009HOU (Housing) Meetings with HUD and FHA on conforming loan limits, multifamily housing, and Rural Housing Service Meetings with Department of Agriculture on Rural Housing Service

Client expense: $3,940,000 · 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, 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

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

Client expense: $3,940,000 · 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, 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

Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support full funding for the Affordable Housing Trust Fund . Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Ensure adequate housing for low-income veterans. Support H.R. 476 and H.R. 403. Support Shaun Donovan as Secretary of HUD. Support comprehensive relief for homelessness. Increase funding for additional testing and testers to uncover housing discrimination. Support the establishment of a Consumer Financial Protection Agency (working to improve H.R. 3126), and the inclusion of all real estate professionals in CFPA oversight. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Oppose allowing guns in public housing. Support HR 3068. Ensure that the Home Affordable Modification Program (HAMP) works well and results in affordable, sustainable loan modifications. Support proposals that would require that a portion of TARP funds to be directed towards assisting those targeted by predatory lenders, including racial and ethnic minorities. Supported legislation to make it easier for homeowners to modify their loans through the Hope for Homeowners program (supported S. 896). Opposed requiring residents of public housing to perform community service each month. Support funding for the Hope VI program. Support funding ($1 billion) for the National Housing Trust Fund. Support for HR 4810, increasing the annual authorization for programs to help homeless veterans. support improving the HAMP program.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), 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), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. S. 1678 Congress adopted an extended and expanded homebuyer tax credit which expires on December 31, 2009. H.R. 3068-A bill to use amounts made available under the Troubled Assets Relief Program to the Secretary of the Treasury for relief for homeowners and neighborhoods. FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. Floor Plan Lending: The SBA has approved a pilot program that would provide loans to retail sales centers for floor plan financing, including manufactured homes. The pilot begins on July 1 and expires on October 1, 2010. H.R. 3126 A bill to establish the Consumer Financial Protection Agency.

Client expense: $52,328 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Intl Trade Administration (ITA), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of

Monitoring program access and grants being created in new legislation: H.R. 3068 - TARP for Main Street Act of 2009; H.R. 3045 - Section 8 Voucher Reform Act of 2009; H.R.2847 - Hiring Incentives to Restore Employment Act; S. 1731 Preserving Homes and Communities Act of 2009

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support HR 3068, Mortgage Legislation

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

Government targets: Army, Dept of (Corps of Engineers), Federal Aviation Administration (FAA), Federal Railroad Administration, HOUSE OF REPRESENTATIVES, SENATE

H.R. 384, TARP Reform and Accountability Act of 2009 H.R. 2336, GREEN Act of 2009, multifamily mortgage provisions; assisted housing porvisions H.R. 3068, TARP for Main Street Act of 2009, multifamily mortgage provisions H.R. 1778, Retrofit for Energy and Environmental Performance (REEP) Program Act H.R. 2246, Community Building Code Administration Grant Act of 2009 S.1379, A bill to encourage energy efficiency and conservation and development of renewable energy sources for housing, commercial structures, and other buildings, and to create sustainable communities. H.R. 3045, Section 8 Voucher Reform Act of 2009- assisted housing provisions, multifamily owner provisions, foreclosure provisions H.R. 3288, Transportation/HUD Appropriations-assisted housing provisions, energy performance provisions H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009, mortage reform provisions, mortgage lending provisions, foreclosure provisions H.R. 476, The Housing Fairness Act of 2009 H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009 Housing Finance-What Should the New System Be Able to Do?: Part I-Government and Stakeholder Perspectives (House Committee on Financial Services Hearing) H.R. 4868, Housing Preservation and Tenant Protection Act of 2010-ivestor/owner provisions, tenant access provisions H.R. 4851, The Continuing Extension Act of 2010 H.R. 5028, Right to Rent-all provisions H.R. 5297, Small Business Lending Fund Act - commercail real estate issues H.R. 5361 Responsible GSE Affordable Housing Investment Act-overall, Fannie Freddie as it relates to multifamly housing PETRA, Preservation, Enhancement and transformation Rental Assistance-assited housing provisions H.R. 4099, the energy Efficiency Modernization Act of 2009-provisions on assisted housing, Wall Street Reform H.R. 5072, the FHA Reform Act-multifamily mortgage provisions H.R. 3527, the FHA Multifamily Loan Limit Adjustment Act- all provisions FY 2011 HUD Appropriations-FHA multifamily commitment authority, assisted housing provisions H.R. 476, Housing Fairness Act-Section 2 Testing for Discrimination, Section 3 FHIP Funding, Section 5 Studies

Client expense: $550,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Product Safety Commission (CPSC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. End homelessness. Support full funding for the Affordable Housing Trust Fund . Ensure adequate housing for low-income people displaced by Hurricane Katrina. End the mortgage foreclosure crisis. Ensure adequate housing for low-income veterans. Support H.R. 476 and H.R. 403. Support Shaun Donovan as Secretary of HUD. Support comprehensive relief for homelessness. Increase funding for additional testing and testers to uncover housing discrimination. Support the establishment of a Consumer Financial Protection Agency (working to improve H.R. 3126), and the inclusion of all real estate professionals in CFPA oversight. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA), support H.R. 1479. Oppose allowing guns in public housing. Support HR 3068. Ensure that the Home Affordable Modification Program (HAMP) works well and results in affordable, sustainable loan modifications. Support proposals that would require that a portion of TARP funds to be directed towards assisting those targeted by predatory lenders, including racial and ethnic minorities. Supported legislation to make it easier for homeowners to modify their loans through the Hope for Homeowners program (supported S. 896). Opposed requiring residents of public housing to perform community service each month. Support funding for the Hope VI program. Support funding ($1 billion) for the National Housing Trust Fund. Support for HR 4810, increasing the annual authorization for programs to help homeless veterans. support improving the HAMP program.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), 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), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

HR 1020, Arbitration Fairness Act of 2009 HR 1754, The Financial System Stabilization and Reform Act of 2009 S 664, The Financial System Stabilization and Reform Act of 2009 HR 1106, The Helping Families Save their Homes Act of 2009 HR 302, A Bill to require the SEC to reinstate the uptick rule on short sales of securities HR 786, To make permanent the temporary increase in deposit insurance coverage HR 1214, The Payday Loan Reform Act of 2009 HR 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act HR 3068, TARP for Main Street Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 HR 3126, The Consumer Financial Protection Agency Act 2009 HR 3795, The Over the Counter Derivatives Markets Act of 2009 HR 3310, Financial Services Regulatory Reform HR 3300, Derivative Trading Accountability and Disclosure Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 S 272, The Derivatives Trading Integrity Act of 2009 HR 2382, The Credit Card Interchange Fees Act of 2009 HR 4173, The Wall Street Reform and Consumer Protection Act of 2009 HR 3890, The Accountability and Transparency in Rating Agencies Act HR 3817, Investor Protection Act of 2009 HR 3996, Financial Stability Improvement Act of 2009 Bank Tax

Client expense: $7,140,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), 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), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)

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

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 Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, 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), White House Office

H.R. 384, TARP Reform and Accountability Act of 2009 H.R. 2336, GREEN Act of 2009 H.R. 3068, TARP for Main Street Act of 2009 H.R. 1778, Retrofit for Energy and Environmental Performance (REEP) Program Act H.R. 2246, Community Building Code Administration Grant Act of 2009 S.1379, A bill to encourage energy efficiency and conservation and development of renewable energy sources for housing, commercial structures, and other buildings, and to create sustainable communities. H.R. 3045, Section 8 Voucher Reform Act of 2009 H.R. 3288, Transportation/HUD Appropriations H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009 H.R. 476, The Housing Fairness Act of 2009 H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009 Housing Finance-What Should the New System Be Able to Do?: Part I-Government and Stakeholder Perspectives (House Committee on Financial Services Hearing) H.R. 4868, Housing Preservation and Tenant Protection Act of 2010 H.R. 4851, The Continuing Extension Act of 2010 H.R. 5028, Right to Rent

Client expense: $380,000 · Firm income: Not reported

Government targets: Consumer Product Safety Commission (CPSC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. S. 1678 Congress adopted an extended and expanded homebuyer tax credit which expires on December 31, 2009. H.R. 3068-A bill to use amounts made available under the Troubled Assets Relief Program to the Secretary of the Treasury for relief for homeowners and neighborhoods. FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. Floor Plan Lending: The SBA has approved a pilot program that would provide loans to retail sales centers for floor plan financing, including manufactured homes. The pilot begins on July 1 and expires on October 1, 2010. H.R. 3126 A bill to establish the Consumer Financial Protection Agency.

Client expense: $56,501 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Intl Trade Administration (ITA), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of

Support HR 3068, Mortgage Legislation

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

Government targets: Army, Dept of (Corps of Engineers), Federal Aviation Administration (FAA), Federal Railroad Administration, HOUSE OF REPRESENTATIVES, SENATE

HR 1020, Arbitration Fairness Act of 2009 HR 384, TARP Reform and Accountability Act HR 1754, The Financial System Stabilization and Reform Act of 2009 S 664, The Financial System Stabilization and Reform Act of 2009 HR 1106, The Helping Families Save their Homes Act of 2009 HR 1606, New Automobile Voucher Act of 2009 HR 627, Credit Cardholder's Bill of rights Act of 2009 S 414, Credit Cardholder's Bill of rights Act of 2009 HR 302, A Bill to require the SEC to reinstate the uptick rule on short sales of securities HR 786, To make permanent the temporary increase in deposit insurance coverage HR 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards HR 1214, The Payday Loan Reform Act of 2009 HR 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act Financial Services Regulatory Reform HR 3068, TARP for Main Street Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 HR 3126, The Consumer Financial Protection Agency Act 2009 HR 3795, The Over the Counter Derivatives Markets Act of 2009 HR 3639, The Expedited CARD Reform for Consumers Act of 2009 HR 3310, Financial Services Regulatory Reform HR 3300, Derivative Trading Accountability and Disclosure Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 S 272, The Derivatives Trading Integrity Act of 2009 HR 2382, The Credit Card Interchange Fees Act of 2009 HR 4173, The Wall Street Reform and Consumer Protection Act of 2009 HR 3890, The Accountability and Transparency in Rating Agencies Act HR 3817, Investor Protection Act of 2009 HR 3996, Financial Stability Improvement Act of 2009

Client expense: $7,350,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)

HR 1020, Arbitration Fairness Act of 2009 HR 384, TARP Reform and Accountability Act HR 1754, The Financial System Stabilization and Reform Act of 2009 S 664, The Financial System Stabilization and Reform Act of 2009 HR 1106, The Helping Families Save their Homes Act of 2009 HR 1606, New Automobile Voucher Act of 2009 HR 627, Credit Cardholder's Bill of rights Act of 2009 S 414, Credit Cardholder's Bill of rights Act of 2009 HR 302, A Bill to require the SEC to reinstate the uptick rule on short sales of securities HR 786, To make permanent the temporary increase in deposit insurance coverage HR 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards HR 1214, The Payday Loan Reform Act of 2009 HR 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act Financial Services Regulatory Reform HR 3068, TARP for Main Street Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 HR 3126, The Consumer Financial Protection Agency Act 2009 HR 3795, The Over the Counter DErivatives Markets Act of 2009 HR 3639, The Expedited CARD Reform for Consumers Act of 2009 HR 3310, Financial Services Regulatory Reform HR 3300, Derivative Trading Accountability and Disclosure Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 S 272, The Derivatives Trading Integrity Act of 2009 HR 2382, The Credit Card Interchange Fees Act of 2009

Client expense: $7,060,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)

HR 1020, Arbitration Fairness Act of 2009 HJ Res 3, Relating to the disapproval of obligation under the Emergency Economic Stabilization Act of 2008 SJ Res 2, Relating to the disapproval of obligation under the Emergency Economic Stabilization Act of 2008 HR 384, TARP Reform and Accountability Act HR 1106, The Helping Families Save their Homes Act of 2009 HR 1606, New Automobile Voucher Act of 2009 HR 627, Credit Cardholder's Bill of rights Act of 2009 S 414, Credit Cardholder's Bill of rights Act of 2009 HR 302, A Bill to require the SEC to reinstate the uptick rule on short sales of securities HR 786, To make permanent the temporary increase in deposit insurance coverage HR 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards HR 1214, The Payday Loan Reform Act of 2009 HR 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act Financial Services Regulatory Reform HR 3068, TARP for Main Street Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 HR 1754, The Financial System Stabilization and Reform Act of 2009 S 664, The Financial System Stabilization and Reform Act of 2009

Client expense: $7,450,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)

S.344 Hedge Fund Transparency Act S.360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. S. 2886, the Banking Integrity Act of 2009 (all provisions) Draft Senate legislation to restructure financial services regulation (all provisions) H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) H.R. 3795, the Over-the-Counter Derivatives Markets Act of 2009 (all provisions) H.R. 3890, the Accountability and Transparency in Rating Agencies Act (all provisions) H.R. 3996, the Financial Stability Improvement Act of 2009 (all provisions) H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4375, the Glass-Steagall Restoration Act (all provisions) Letter to express support for ABA letter regarding recommendations to help well-managed, viable banks address their capital needs. Auction Announcement, New Small banks capital program, ABA recommendations.

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

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

S.344 Hedge Fund Transparency Act S. 360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) Administration Proposal to Restructure Financial Services Regulation (all provisions) Administration Proposal on Systemic Risk Regulation (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation

Client expense: $2,280,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. S. 1678 Congress adopted an extended and expanded homebuyer tax credit which expires on December 31, 2009. H.R. 3068-A bill to use amounts made available under the Troubled Assets Relief Program to the Secretary of the Treasury for relief for homeowners and neighborhoods. FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. Floor Plan Lending: The SBA has approved a pilot program that would provide loans to retail sales centers for floor plan financing, including manufactured homes. The pilot begins on July 1 and expires on October 1, 2010. H.R. 3126 A bill to establish the Consumer Financial Protection Agency.

Client expense: $56,501 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Intl Trade Administration (ITA), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of

HR 1020, Arbitration Fairness Act of 2009 HR 384, TARP Reform and Accountability Act HR 1754, The Financial System Stabilization and Reform Act of 2009 S 664, The Financial System Stabilization and Reform Act of 2009 HR 1106, The Helping Families Save their Homes Act of 2009 HR 1606, New Automobile Voucher Act of 2009 HR 627, Credit Cardholder's Bill of rights Act of 2009 S 414, Credit Cardholder's Bill of rights Act of 2009 HR 302, A Bill to require the SEC to reinstate the uptick rule on short sales of securities HR 786, To make permanent the temporary increase in deposit insurance coverage HR 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards HR 1214, The Payday Loan Reform Act of 2009 HR 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act Financial Services Regulatory Reform HR 3068, TARP for Main Street Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 HR 3126, The Consumer Financial Protection Agency Act 2009 HR 3795, The Over the Counter Derivatives Markets Act of 2009 HR 3639, The Expedited CARD Reform for Consumers Act of 2009 HR 3310, Financial Services Regulatory Reform HR 3300, Derivative Trading Accountability and Disclosure Act of 2009 HR 977, The Derivatives Markets Transparency and Accountability Act of 2009 S 272, The Derivatives Trading Integrity Act of 2009 HR 2382, The Credit Card Interchange Fees Act of 2009 HR 4173, The Wall Street Reform and Consumer Protection Act of 2009 HR 3890, The Accountability and Transparency in Rating Agencies Act HR 3817, Investor Protection Act of 2009 HR 3996, Financial Stability Improvement Act of 2009

Client expense: $6,840,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)

S.344 Hedge Fund Transparency Act S.360, the Cap Executive Officer Pay Act of 2009 (all provisions) S. 605, A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities S. 651, the Compensation Fairness Act of 2009 (all provisions) S. 1540, the Resolution Reform Act of 2009 (all provisions) S.1074 : A bill to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives. S. 2886, the Banking Integrity Act of 2009 (all provisions) Draft Senate legislation to restructure financial services regulation (all provisions) H.R. 302, To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities H.R.711, Hedge Fund Adviser Registration Act of 2009 H.R. 977, the Derivatives Markets Transparency Accountability Act H.R. 1406, To direct the Securities and Exchange Commission to reinstate the "uptick rule" on short sales of securities and to suspend the application of mark-to-market accounting principles H.R. 1575, the End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act (all provisions) H.R. 1664, To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. H.R. 3068, the TARP for Main Street Act of 2009 (all provisions) H.R. 3126, the Consumer Financial Protection Agency Act (all provisions) H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act (all provisions) H.R. 3594, the TARP Recipient Ownership Trust Act of 2009 (all provisions) H.R. 3795, the Over-the-Counter Derivatives Markets Act of 2009 (all provisions) H.R. 3890, the Accountability and Transparency in Rating Agencies Act (all provisions) H.R. 3996, the Financial Stability Improvement Act of 2009 (all provisions) H.R. 4173, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4375, the Glass-Steagall Restoration Act (all provisions) Letter to express support for ABA letter regarding recommendations to help well-managed, viable banks address their capital needs. Auction Announcement, New Small banks capital program, ABA recommendations.

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

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

HR1106 Helping Famlies Save Their Homes Act of 2009 Provision to establish mortgage fraud hotline. HR3045 Section 8 Voucher REform Act of 2009 Provisions to expand access to Section 8 vouchers. HR3068 TARP for Main Stsreet Act of 2009 Establish National Housing Trust Fund.

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

Government targets: Federal Transit Administration (FTA), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), SENATE

Support HR 3068, Mortgage Legislation

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

Government targets: Army, Dept of (Corps of Engineers), Federal Aviation Administration (FAA), Federal Railroad Administration, HOUSE OF REPRESENTATIVES, SENATE