21st Century FHA Housing Act of 2009

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

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

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)

Implementation of the Housing Economic Recovery Act (P.L. 110-140); Safe Lending Practices; Products and Procedures of Government Sponsored Enterprises and Federal Housing Administration, Reform of the Real Estate Settlement Procedures Act, Appraisal Reform (H.R. 5072; H.R. 4811; H.R. 3706; H.R. 3146; H.R. 2588; H.R. 2467; H.R. 1116; H.R. 587; H.R. 200);.Homebuyer Tax Credit (H.R. 5623).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4229, Borrower's Right to Inspect Closing Documents Act of 2009. All Provisions. Amends the Real Estate Settlement Procedures Act of 1974 to revise procedures governing the furnishing of closing documents to borrowers. H.R. 5028, Right to Rent Act of 2010. All Provisions. Allows homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters. H.R. 47, Expand & Preserve Home Ownership Through Counseling Act. All Provisions. To establish an Office of Housing Counseling to carry out & coordinate the responsibilities of HUD regarding counseling on homeownership & rental housing issues, to make grants to entities for providing such counseling, to launch a national housing counseling advertising campaign, & for other purposes.. H.R. 225, Emergency Homeownership and Equity Protection Act. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 230, Housing Opportunity and Mortgage Equity Act of 2009. All Provisions. Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 787, To make improvements in the Hope for Homeowners Program, and for other purposes. Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. H.R. 1106, Helping Families Save Their Homes Act of 2009. All Provisions. Prevents mortgage foreclosures and enhance mortgage credit availability. S. 1379, Energy Efficiency in Housing Act of 2009. All Provisions. 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. S.3024, Job Impact Analysis Act of 2010. All Provisions. A bill to ensure that the creation of jobs by small businesses is considered during the Federal legislative and rulemaking process, and for other purposes. H.R.3146, 21 Century FHA Housing Act of 2009. All Provisions. Makes improvements to the FHA mortgage insurance programs of the Department of Housing and Urban Development, and for other purposes. H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009. All Provisions. Increases the maximum mortgage amount limitations under the FHA mortgage insurance programs for multifamily housing projects with elevators and for extremely high-cost areas. H.R. 3706, FHA Taxpayer Protection Act of 2009. All Provisions. Requires borrowers under FHA-insured mortgages for single-family housing to make downpayments of at least 5 percent and to prohibit financing of closing costs under such mortgages. H.R.5017, Rural Housing Preservation and Stabilization Act of 2010. All Provisions. Ensures the availability of loan guarantees for rural homeowners. H.R. 5072, FHA Reform Act of 2010. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R. 5569, National Flood Insurance Program Extension Act of 2010. All Provisions. Amends the National Flood Insurance Act of 1968 extending the national flood insurance program to March 31, 2010. It repeals the extermination date for the authority of FEMA to provide assistance to any state or community. It also extends the eligibility for flood insurance to any community that had made adequate progress on reconstruction, construction, or improvement on a flood protection system. H.R.5623, Homebuyer Assistance and Improvement Act of 2010. All provisions. Amends the Internal Revenue Code of 1986 to extend the homebuyer tax credit for the purchase of a principal residence before October 1, 2010, in the case of a written binding contract entered into with respect to such principal residence before May 1, 2010, and for other purposes.(BILL IS NOW LAW)

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

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.

H.R. 47, Expand & Preserve Home Ownership Through Counseling Act. All Provisions. To establish an Office of Housing Counseling to carry out & coordinate the responsibilities of HUD regarding counseling on homeownership & rental housing issues, to make grants to entities for providing such counseling, to launch a national housing counseling advertising campaign, & for other purposes. H.R. 225, Emergency Homeownership and Equity Protection Act. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 230, Housing Opportunity and Mortgage Equity Act of 2009. All Provisions. Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 787, To make improvements in the Hope for Homeowners Program, and for other purposes. Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. H.R. 1106, Helping Families Save Their Homes Act of 2009. All Provisions. Prevents mortgage foreclosures and enhance mortgage credit availability. S. 1379, Energy Efficiency in Housing Act of 2009. All Provisions. 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. S.3024, Job Impact Analysis Act of 2010. All Provisions. A bill to ensure that the creation of jobs by small businesses is considered during the Federal legislative and rulemaking process, and for other purposes. H.R.3146, 21 Century FHA Housing Act of 2009. All Provisions. Makes improvements to the FHA mortgage insurance programs of the Department of Housing and Urban Development, and for other purposes. H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009. All Provisions. Increases the maximum mortgage amount limitations under the FHA mortgage insurance programs for multifamily housing projects with elevators and for extremely high-cost areas. H.R. 3706, FHA Taxpayer Protection Act of 2009. All Provisions. Requires borrowers under FHA-insured mortgages for single-family housing to make downpayments of at least 5 percent and to prohibit financing of closing costs under such mortgages. H.R. 4229, Borrower's Right to Inspect Closing Documents Act of 2009. All Provisions. Amends the Real Estate Settlement Procedures Act of 1974 to revise procedures governing the furnishing of closing documents to borrowers. H.R.5017, Rural Housing Preservation and Stabilization Act of 2010. All Provisions. Ensures the availability of loan guarantees for rural homeowners. H.R. 5028, Right to Rent Act of 2010. All Provisions. Allows homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters. H.R. 5072, FHA Reform Act of 2010. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R. 5569, National Flood Insurance Program Extension Act of 2010. All Provisions. Amends the National Flood Insurance Act of 1968 extending the national flood insurance program to March 31, 2010. It repeals the extermination date for the authority of FEMA to provide assistance to any state or community. It also extends the eligibility for flood insurance to any community that had made adequate progress on reconstruction, construction, or improvement on a flood protection system. H.R.5623, Homebuyer Assistance and Improvement Act of 2010. All provisions. Amends the Internal Revenue Code of 1986 to extend the homebuyer tax credit for the purchase of a principal residence before October 1, 2010, in the case of a written binding contract entered into with respect to such principal residence before May 1, 2010, and for other purposes.(BILL IS NOW LAW)

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

Implementation of the Housing Economic Recovery Act (P.L. 110-140); Safe Lending Practices; Products and Procedures of Government Sponsored Enterprises and Federal Housing Administration, Reform of the Real Estate Settlement Procedures Act, Appraisal Reform (H.R. 5072; H.R. 4811; H.R. 3706; H.R. 3146; H.R. 2588; H.R. 2467; H.R. 1116; H.R. 587; H.R. 200);.Homebuyer Tax Credit (H.R. 5623).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Housing Economic Recovery Act (P.L. 110-140); Safe Lending Practices; Products and Procedures of Government Sponsored Enterprises and Federal Housing Administration, Reform of the Real Estate Settlement Procedures Act, Appraisal Reform (H.R. 5072; H.R. 4811; H.R. 3706; H.R. 3146; H.R. 2588; H.R. 2467; H.R. 1116; H.R. 587; H.R. 200);.Homebuyer Tax Credit (H.R. 5623).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

H.R. 47, Expand & Preserve Home Ownership Through Counseling Act. All Provisions. To establish an Office of Housing Counseling to carry out & coordinate the responsibilities of HUD regarding counseling on homeownership & rental housing issues, to make grants to entities for providing such counseling, to launch a national housing counseling advertising campaign, & for other purposes. H.R. 78, Stop Mortgage Fraud Act. All Provisions. To authorize additional appropriations for the Federal Bureau of Investigation to enhance its ability to more effectively stop mortgage fraud, and for other purposes. Authorizes appropriations to the Department of Justice for FY2009-FY2013 for: (1) the employment of 30 additional agents of the Federal Bureau of Investigation (FBI) and two additional prosecutors to coordinate prosecution of mortgage fraud cases with the offices of the U.S. Attorneys; and (2) the operations of the FBI interagency task forces in the areas with the 15 highest concentrations of mortgage fraud. H.R. 200, Helping Families Save Their Homes in Bankruptcy Act of 2009. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 225, Emergency Homeownership and Equity Protection Act. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 230, Housing Opportunity and Mortgage Equity Act of 2009. All Provisions. Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 787, To make improvements in the Hope for Homeowners Program, and for other purposes. Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. H.R. 1106, Helping Families Save Their Homes Act of 2009. All Provisions. Prevents mortgage foreclosures and enhance mortgage credit availability. H.R. 1728, Expand and Preserve Home Ownership Through Counseling Act. All Provisions. Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1748, Fight Fraud Act of 2009. All Provisions. Amends the federal criminal code to include within the definition of "financial institution" a mortgage lending business or any person or entity that makes, in whole or in part, a federally related mortgage loan. Defines "mortgage lending business" as an organization that finances or refinances any debt secured by an interest in real estate, including private mortgage companies and their subsidiaries, and whose activities affect interstate or foreign commerce. H.R. 2181, Mortgage Assistance Information and Scam Prevention Act of 2009. All Provisions. To require servicers of mortgages on single family homes to provide notice to mortgagors of possible eligibility for Federal mortgage assistance. H.R. 2666, Mortgage Foreclosure Rescue and Loan Modification Services Fraud Prevention Act of 2009. H.R. 3139, National Flood Insurance Program Extension Act of 2009. All Provisions. Extends the authorization of the National Flood Insurance Program, and for other purposes. H.R. 3146, 21st Century FHA Housing Act of 2009. All Provisions. Amends the National Housing Act to declare that the Sec. of Housing and Urban Affairs (HUD) is not subject to the National Environmental Policy Act of 1969 when insuring any mortgage for a one-family unit in a multifamily project that holds an undivided interest in the common areas and facilities which serve the project. H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009. All Provisions. Increases the maximum mortgage amount limitations under the FHA mortgage insurance programs for multifamily housing projects with elevators and for extremely high cost areas. H.R. 3706, FHA Taxpayer Protection Act of 2009. All Provisions. Requires borrowers under FHA-insured mortgages for single-family housing to make downpayments of at least 5 percent and prohibits financing of closing costs under such mortgages. H.R.3996, Financial Stability Improvement Act of 2009. All Provisions.Establishes the Financial Services Oversight Council whose duties include: (1) monitoring the financial services marketplace to identify potential threats to the stability of the U.S. financial system; (2) resolving disputes among federal financial regulatory agencies; (3) subjecting identified financial companies and financial activities to heightened prudential standards in order to promote financial stability and mitigate systemic risk (in this Act referred to as "identified companies or identified activities"); and (4) reporting to Congress on significant financial market developments and potential emerging threats to the stability of the financial system. H.R. 4229, Borrower's Right to Inspect Closing Documents Act of 2009. All Provisions. Amends the Real Estate Settlement Procedures Act of 1974 to revise procedures governing the furnishing of closing documents to borrowers. H.R.5017, Rural Housing Preservation and Stabilization Act of 2010. All Provisions. Ensures the availability of loan guarantees for rural homeowners. H.R. 5569, National Flood Insurance Program Extension Act of 2010. All Provisions. Amends the National Flood Insurance Act of 1968 extending the national flood insurance program to March 31, 2010. It repeals the extermination date for the authority of FEMA to provide assistance to any state or community. It also extends the eligibility for flood insurance to any community that had made adequate progress on reconstruction, construction, or improvement on a flood protection system. H.R.5623, Homebuyer Assistance and Improvement Act of 2010. All provisions. Amends the Internal Revenue Code of 1986 to extend the homebuyer tax credit for the purchase of a principal residence before October 1, 2010, in the case of a written binding contract entered into with respect to such principal residence before May 1, 2010, and for other purposes. S. 1230, Home Buyer Tax Credit Act of 2009. All Provisions. A bill to amend the Internal Revenue Code of 1986 to provide a Federal income tax credit for certain home purchases. S.1379, Energy Efficiency in Housing Act of 2009. All Provisions. Encourages energy efficiency and conservation and development of renewable energy sources for housing, commercial structures, and other buildings, and to create sustainable communities. S. 1731, Preserving Homes and Communities Act of 2009. All Provisions. Requires certain mortgagees to make loan modifications, establishes a grant program for State and local government mediation programs, creates databases on foreclosures and other purposes. S.3402, Renewable Energy Access Through Leasing Act of 2010. All Provisions. Encourages residential use of renewable energy systems by minimizing upfront costs and providing immediate utility cost savings to consumers through leasing of such systems to homeowners, and for other purposes.

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

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

Client expense: Not reported · Firm income: Not reported

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

Client expense: Not reported · Firm income: Not reported

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

Client expense: Not reported · Firm income: Not reported

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

Client expense: Not reported · Firm income: Not reported

H.R. 3288, Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010. All Provisions. Makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2010, and for other purposes. (Bill is now Law) H.R. 47, Expand & Preserve Home Ownership Through Counseling Act. All Provisions. To establish an Office of Housing Counseling to carry out & coordinate the responsibilities of HUD regarding counseling on homeownership & rental housing issues, to make grants to entities for providing such counseling, to launch a national housing counseling advertising campaign, & for other purposes. H.R. 78, Stop Mortgage Fraud Act. All Provisions. To authorize additional appropriations for the Federal Bureau of Investigation to enhance its ability to more effectively stop mortgage fraud, and for other purposes. Authorizes appropriations to the Department of Justice for FY2009-FY2013 for: (1) the employment of 30 additional agents of the Federal Bureau of Investigation (FBI) and two additional prosecutors to coordinate prosecution of mortgage fraud cases with the offices of the U.S. Attorneys; and (2) the operations of the FBI interagency task forces in the areas with the 15 highest concentrations of mortgage fraud. H.R. 200, Helping Families Save Their Homes in Bankruptcy Act of 2009. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 225, Emergency Homeownership and Equity Protection Act. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 230, Housing Opportunity and Mortgage Equity Act of 2009. All Provisions. Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 787, To make improvements in the Hope for Homeowners Program, and for other purposes. Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. H.R. 1106, Helping Families Save Their Homes Act of 2009. All Provisions. Prevents mortgage foreclosures and enhance mortgage credit availability. H.R. 1728, Expand and Preserve Home Ownership Through Counseling Act. All Provisions. Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1748, Fight Fraud Act of 2009. All Provisions. Amends the federal criminal code to include within the definition of "financial institution" a mortgage lending business or any person or entity that makes, in whole or in part, a federally related mortgage loan. Defines "mortgage lending business" as an organization that finances or refinances any debt secured by an interest in real estate, including private mortgage companies and their subsidiaries, and whose activities affect interstate or foreign commerce. H.R. 2181, Mortgage Assistance Information and Scam Prevention Act of 2009. All Provisions. To require servicers of mortgages on single family homes to provide notice to mortgagors of possible eligibility for Federal mortgage assistance. H.R. 2666, Mortgage Foreclosure Rescue and Loan Modification Services Fraud Prevention Act of 2009. H.R. 3139, National Flood Insurance Program Extension Act of 2009. All Provisions. Extends the authorization of the National Flood Insurance Program, and for other purposes. H.R. 3146, 21st Century FHA Housing Act of 2009. All Provisions. Amends the National Housing Act to declare that the Sec. of Housing and Urban Affairs (HUD) is not subject to the National Environmental Policy Act of 1969 when insuring any mortgage for a one-family unit in a multifamily project that holds an undivided interest in the common areas and facilities which serve the project. H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009. All Provisions. Increases the maximum mortgage amount limitations under the FHA mortgage insurance programs for multifamily housing projects with elevators and for extremely high cost areas. S. 1230, Home Buyer Tax Credit Act of 2009. All Provisions. A bill to amend the Internal Revenue Code of 1986 to provide a Federal income tax credit for certain home purchases. S. 1731, Preserving Homes and Communities Act of 2009. All Provisions. Requires certain mortgagees to make loan modifications, establishes a grant program for State and local government mediation programs, creates databases on foreclosures and other purposes.

FHA Prohibition on Seller-funded Downpayment Assistance: H.R. 600 - "FHA Seller-Financed Downpayment Reform Act of 2009" FHA Loan Limit Increase: H.R. 587 - "To increase the loan limits for the FHA single family housing mortgage insurance programs" H.R. 2483 - "Increasing Homeownership Opportunities Act" Studies on FHA Mortgage Insurance: H.R. 2467 - "FHA Enhanced Oversight Act of 2009" Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents: H.R. 3026 - "Hazard Mitigation For All Act of 2009" Grants for Veteran Housing: H.R. 3073 - "A bill to amend title 38, United States Code, to direct the Secretary of Veterans Affairs establish a grant program to provide assistance to veterans who are at risk of becoming homeless." Prevention of Housing Discrimination: H.R. 476 - Housing Fairness Act of 2009 Use of TARP Funds for Homeowner Relief and Affordable Rental Housing: HR 3766: Main Street TARP Act of 2009 FHA Modernization: HR 3146 - "21 Century FHA Housing Act of 2009" FHA Downpayment Requirements: H.R. 3706 - "FHA Taxpayer Protection Act of 2009" Low Income Housing Credits: H.R. 2995 - "Disaster State Housing Recovery Act of 2009" Establishment of a Monument Commemorating Passage of the "Fair Housing Act": H.R. 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." Section 8 Voucher Reform: H.R. 3045 - "Section 8 Voucher Reform Act of 2009" Preservation of affordable housing: H.R. 4868 - "Housing Preservation and Tenant Protection Act of 2010"

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

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

H.R. 47, Expand & Preserve Home Ownership Through Counseling Act. All Provisions. To establish an Office of Housing Counseling to carry out & coordinate the responsibilities of HUD regarding counseling on homeownership & rental housing issues, to make grants to entities for providing such counseling, to launch a national housing counseling advertising campaign, & for other purposes. H.R. 78, Stop Mortgage Fraud Act. All Provisions. To authorize additional appropriations for the Federal Bureau of Investigation to enhance its ability to more effectively stop mortgage fraud, and for other purposes. Authorizes appropriations to the Department of Justice for FY2009-FY2013 for: (1) the employment of 30 additional agents of the Federal Bureau of Investigation (FBI) and two additional prosecutors to coordinate prosecution of mortgage fraud cases with the offices of the U.S. Attorneys; and (2) the operations of the FBI interagency task forces in the areas with the 15 highest concentrations of mortgage fraud. H.R. 200, Helping Families Save Their Homes in Bankruptcy Act of 2009. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 225, Emergency Homeownership and Equity Protection Act. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 230, Housing Opportunity and Mortgage Equity Act of 2009. All Provisions. Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 787, To make improvements in the Hope for Homeowners Program, and for other purposes. Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. H.R. 1106, Helping Families Save Their Homes Act of 2009. All Provisions. Prevents mortgage foreclosures and enhance mortgage credit availability. H.R. 1728, Expand and Preserve Home Ownership Through Counseling Act. All Provisions. Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1748, Fight Fraud Act of 2009. All Provisions. Amends the federal criminal code to include within the definition of "financial institution" a mortgage lending business or any person or entity that makes, in whole or in part, a federally related mortgage loan. Defines "mortgage lending business" as an organization that finances or refinances any debt secured by an interest in real estate, including private mortgage companies and their subsidiaries, and whose activities affect interstate or foreign commerce. H.R. 2181, Mortgage Assistance Information and Scam Prevention Act of 2009. All Provisions. To require servicers of mortgages on single family homes to provide notice to mortgagors of possible eligibility for Federal mortgage assistance. H.R. 2666, Mortgage Foreclosure Rescue and Loan Modification Services Fraud Prevention Act of 2009. H.R. 3139, National Flood Insurance Program Extension Act of 2009. All Provisions. Extends the authorization of the National Flood Insurance Program, and for other purposes. H.R. 3146, 21st Century FHA Housing Act of 2009. All Provisions. Amends the National Housing Act to declare that the Sec. of Housing and Urban Affairs (HUD) is not subject to the National Environmental Policy Act of 1969 when insuring any mortgage for a one-family unit in a multifamily project that holds an undivided interest in the common areas and facilities which serve the project. H.R. 3288, Department of Transportation Appropriations Act of 2010. All Provisions. Makes appropriations for the DOT, HUD and related agencies for the fiscal year ending 9/30/2010 and for other purposes. H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009. All Provisions. Increases the maximum mortgage amount limitations under the FHA mortgage insurance programs for multifamily housing projects with elevators and for extremely high cost areas. S. 1230, Home Buyer Tax Credit Act of 2009. All Provisions. A bill to amend the Internal Revenue Code of 1986 to provide a Federal income tax credit for certain home purchases. S. 1731, Preserving Homes and Communities Act of 2009. All Provisions. Requires certain mortgagees to make loan modifications, establishes a grant program for State and local government mediation programs, creates databases on foreclosures and other purposes.

FHA Prohibition on Seller-funded Downpayment Assistance: H.R. 600 - "FHA Seller-Financed Downpayment Reform Act of 2009" FHA Loan Limit Increase: H.R. 587 - "To increase the loan limits for the FHA single family housing mortgage insurance programs" H.R. 2483 - "Increasing Homeownership Opportunities Act" Studies on FHA Mortgage Insurance: H.R. 2467 - "FHA Enhanced Oversight Act of 2009" Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents: H.R. 3026 - "Hazard Mitigation For All Act of 2009" Grants for Veteran Housing: H.R. 3073 - "A bill to amend title 38, United States Code, to direct the Secretary of Veterans Affairs establish a grant program to provide assistance to veterans who are at risk of becoming homeless." Prevention of Housing Discrimination: H.R. 476 - Housing Fairness Act of 2009 Use of TARP Funds for Homeowner Relief and Affordable Rental Housing: HR 3766: Main Street TARP Act of 2009 HUD, FHA Appropriations HR 3288 - "Making appropriations for the Department of Transportation, Department of Housing and Urban Development, and Certain Independent Agencies, for the fiscal year ending September 30, 2010, and for other purposes." FHA Modernization: HR 3146 - "21 Century FHA Housing Act of 2009" FHA Downpayment Requirements: HR 3706 - "FHA Taxpayer Protection Act of 2009" Community Development Block Grant Assistance: H.R. 2532 - "Community Development Block Grant Improvement Act of 2009" Meetings with FHA/HUD on Changes to FHA Insurance Programs Meetings with HUD, Dept. of Agriculture, & Treasury on Multifamily Housing Issues Meetings with HUD on "Flipping" Houses

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

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

FHA Prohibition on Seller-funded Downpayment Assistance: H.R. 600 - "FHA Seller-Financed Downpayment Reform Act of 2009" FHA Loan Limit Increase: H.R. 587 - "To increase the loan limits for the FHA single family housing mortgage insurance programs" H.R. 2483 - "Increasing Homeownership Opportunities Act" Studies on FHA Mortgage Insurance: H.R. 2467 - "FHA Enhanced Oversight Act of 2009" Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents: H.R. 3026 - "Hazard Mitigation For All Act of 2009" Grants for Veteran Housing: H.R. 3073 - "A bill to amend title 38, United States Code, to direct the Secretary of Veterans Affairs establish a grant program to provide assistance to veterans who are at risk of becoming homeless." Prevention of Housing Discrimination: H.R. 476 - Housing Fairness Act of 2009 Preservation of Assisted Rural Multifamily Housing: H.R. 2876 - "Rural Housing Preservation Act of 2009" HUD, FHA Appropriations HR 3288 - "Making appropriations for the Department of Transportation, Department of Housing and Urban Development, and Certain Independent Agencies, for the fiscal year ending September 30, 2010, and for other purposes." FHA Modernization: HR 3146 - "21 Century FHA Housing Act of 2009" Loan limits for high-rise condo development: H.R. 3527 - "FHA Multifamily Loan Limit Adjustment Act of 2009" Meetings with HUD/FHA, FHFA on Condominium Rules Letter to HUD on Affordable Housing

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

H.R. 1880 - National Insurance Consumer Protection Act - All provisions H.R. 2554 - National Association of Registered Agents and Brokers Reform Act of 2009 - All provisions H.R. 2571 - Nonadmitted and Reinsurance Reform Act of 2009 - All provisions; S. 1363 - Nonadmitted and Reinsurance Reform Act of 2009 - All provisions; H.R. 2609 - Insurance Information Act of 2009 - All provisions Optional Federal Charter Terrorism Insurance Reauthorization Flood Insurance Long Term Care H.R. 1880 - To establish a system of regulation and supervision for insurers, agencies, and producers; chartered or licensed under federal law that ensures the stability and financial integrity - All provisions H.R. 2609 - Insurance Information Act of 2009 - All provisions H.R. 2544 - National Association of Registered Agents and Brokers Reform Act of 2009 - All provisions H.R. 3146 - 21st Century FHA Housing Act of 2009 - All provisions

Client expense: $770,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, U.S. Copyright Office, White House Office

H.R. 47, Expand & Preserve Home Ownership Through Counseling Act. All Provisions. To establish an Office of Housing Counseling to carry out & coordinate the responsibilities of HUD regarding counseling on homeownership & rental housing issues, to make grants to entities for providing such counseling, to launch a national housing counseling advertising campaign, & for other purposes. H.R. 78, Stop Mortgage Fraud Act. All Provisions. To authorize additional appropriations for the Federal Bureau of Investigation to enhance its ability to more effectively stop mortgage fraud, and for other purposes. Authorizes appropriations to the Department of Justice for FY2009-FY2013 for: (1) the employment of 30 additional agents of the Federal Bureau of Investigation (FBI) and two additional prosecutors to coordinate prosecution of mortgage fraud cases with the offices of the U.S. Attorneys; and (2) the operations of the FBI interagency task forces in the areas with the 15 highest concentrations of mortgage fraud. H.R. 200, Helping Families Save Their Homes in Bankruptcy Act of 2009. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 225, Emergency Homeownership and Equity Protection Act. All Provisions. Amends title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R. 230, Housing Opportunity and Mortgage Equity Act of 2009. All Provisions. Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 787, To make improvements in the Hope for Homeowners Program, and for other purposes. Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. H.R. 1106, Helping Families Save Their Homes Act of 2009. All Provisions. Prevents mortgage foreclosures and enhance mortgage credit availability. H.R. 1728, Expand and Preserve Home Ownership Through Counseling Act. All Provisions. Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1748, Fight Fraud Act of 2009. All Provisions. Amends the federal criminal code to include within the definition of "financial institution" a mortgage lending business or any person or entity that makes, in whole or in part, a federally related mortgage loan. Defines "mortgage lending business" as an organization that finances or refinances any debt secured by an interest in real estate, including private mortgage companies and their subsidiaries, and whose activities affect interstate or foreign commerce. H.R. 2181, Mortgage Assistance Information and Scam Prevention Act of 2009. All Provisions. To require servicers of mortgages on single family homes to provide notice to mortgagors of possible eligibility for Federal mortgage assistance. H.R. 2666, Mortgage Foreclosure Rescue and Loan Modification Services Fraud Prevention Act of 2009. H.R. 3139, National Flood Insurance Program Extension Act of 2009. All Provisions. Extends the authorization of the National Flood Insurance Program, and for other purposes. H.R. 3146, 21st Century FHA Housing Act of 2009. All Provisions. Amends the National Housing Act to declare that the Sec. of Housing and Urban Affairs (HUD) is not subject to the National Environmental Policy Act of 1969 when insuring any mortgage for a one-family unit in a multifamily project that holds an undivided interest in the common areas and facilities which serve the project. H.R. 3288, Department of Transportation Appropriations Act of 2010. All Provisions. Makes appropriations for the DOT, HUD and related agencies for the fiscal year ending 9/30/2010 and for other purposes. H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009. All Provisions. Increases the maximum mortgage amount limitations under the FHA mortgage insurance programs for multifamily housing projects with elevators and for extremely high cost areas. S. 1230, Home Buyer Tax Credit Act of 2009. All Provisions. A bill to amend the Internal Revenue Code of 1986 to provide a Federal income tax credit for certain home purchases. S. 1731, Preserving Homes and Communities Act of 2009. All Provisions. Requires certain mortgagees to make loan modifications, establishes a grant program for State and local government mediation programs, creates databases on foreclosures and other purposes.

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