Consumer Protection and Regulatory Enhancement Act

HR 977, HR 1754, HR 2111, HR 2253, HR 3126, HR 3269, HR 3300, HR 3310, HR 3765, HR 3996, HR 4142, HR 4173, HR 4191, HR 4516, HR 498, HR 6223, HR 6334, HR 74, HR 885, S 1354, S 1691, S 2746, S 2756, S 2813, S 298, S 3149, S 344, S 3826, S 567, S 605, S 664

Client expense: $810,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 302 (To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities); H.R. 1260 (Patent Reform Act); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1575 (End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act); 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) (restrictions on compensation); H.R. 1669 (To require the Secretary of the Treasury to establish a market for municipal securities, to require cooperation between the Secretary and the Chairman of the Board of Governors of the Federal Reserve System in addressing the municipal securities market situation including through the establishment of municipal securities funding facilities, and for other purposes); H.R. 1731 (Credit Risk Retention Act); H.R. 1944 (Active Financing Rules); H.R. 2221 (Data Accountability and Trust Act); H.R. 2549 (The Municipal Bond Fairness Act); H.R. 2550 (The Municipal Advisers Regulation Act); H.R. 2551 (The Municipal Market Liquidity Enhancement Act of 2009); H.R. 2589 (The Municipal Bond Insurance Enhancement Act of 2009); H.R. 2847 (Hiring Incentives to Restore Employment Act); H.R. 2896 (Equal Treatments Of Covered Bonds Act of 2009); H.R. 3005 (National Institute of Finance Act of 2010); H.R. 3126 (Consumer Financial Protection Agency Act of 2009); H.R. 3145 (Credit Default Swap Prohibition Act of 2009); H.R. 3269 (Corporate and Financial Institution compensation Fairness Act of 2009); H.R. 3306 (to enhance Social Security account number privacy protections); H.R. 3310 (To reform the financial regulatory system of the United States); H.R. 3817 (Investor Protection Act of 2009); H.R. 3818 (Private Fund Investment Advisers Registration Act of 2009); H.R. 3890 (Accountability and Transparency in Rating Agencies Act); H.R. 4173 (Dodd-Frank Wall Street Reform and Consumer Protection Act)(Systemic risk regulation and liquidation authority; Section 342 (Office of Minority and Women Inclusion)); H.R. 4191 (Wall Street Fair Share Act); H.R. 4872 (The Reconciliation Act of 2010); H.R. 4884 (U.S. Covered Bond Act of 2010); H.R. 5777 ("Building Effective Strategies to Promote Responsibility Accountability Choice Transparency Innovation Consumer Expectations and Safeguards Act," or the "Best Practices Act"); H.R. 5927 (Small Business Lending Fund Act); S. 139 (Data Breach Notification Act); S. 386 (Fraud Enforcement and Recovery Act); S. 515 (Patent Reform Act); S. 651 (Compensation Fairness Act of 2009); S. 773 (Cyber Security Act of 2009); S. 931 (Arbitration Fairness Act of 2009); S. 961 (Authorizing the Regulation of Swaps Act); S. 1490 (Personal Data Privacy and Security Act of 2009); S. 1551 (Liability for Aiding and Abetting Securities Violations of 2009); S. 1682 (to provide the CFTC with antimarket manipulation authority); S. 1683 (Pay It Back Act); S. 2886 (Bank Integrity Act of 2009) (Glass-Steagall Repeal); S. 2927 (Wall Street Fair Share Act); S. 3005 (National Institute of Finance Act of 2010); S. 3217 (Governmental Accounting Standards Board (GASB) Funding)(Regulatory Capital Requirements, systemic risk regulation and liquidation authority); S. Amdt. 3792 (Fiduciary Duty); S. Amdt. 4057 (Governmental Accounting Standards Board (GASB) Funding); 2011 Financial Services Appropriations, Subcommittee on Financial Services and General Government (Amendment relating to SIPC coverage); Restoring American Financial Stability Act of 2010: Title I (Financial Stability); Title II (Resolution Authority); Title IX ( Asset-Backed Securitization); Title X (Broker-Dealer Standard of Care); Title IX (FED Lending and Fiscal Policy Functions); Resolution Authority for Systemically Significant Financial Companies Act of 2009; Systemic Risk Regulation and liquidation authority; Troubled Asset Backed Securities Loan Facility (H-1B); State Regulation of Credit Default Swaps as Insurance; PPIP Investor and Asset Manager Requirements; China - strategic and economic dialog; Market Structure Issues (dark pools, flash quotes, high frequency trading); Transatlantic Economic Council (Trade Issues); Preservation of independent contractor status for financial services sector; Bilateral Investment Treaties, India; Asian Pacific Economic Council Privacy Issues; Transpacific Partnership; European Union proposal regarding Credit Default Swaps and Credit Rating Agencies and their impact on US Markets; EU Alternative Investment Fund Managers Proposal (AIFM); Basel Capital Rules; G-20 (Issues related to the November 15, 2008 "Washington Action Plan"); Government Sponsored Enterprises (GSE) Reform; Regulatory Capital Requirements; Accounting standards for municipalities.

Client expense: $1,270,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

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 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act 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 HR 5381, Motor Vehicle Safety Act of 2010 S 3217, Restoring American Financial Stability Act S1065, Iran Sanctions Enabling Act of 2009 S 3675, The Small Business Jobs Preservation Act of 2010

Client expense: $9,280,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), 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), Food & Drug Administration (FDA), 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)

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 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act 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 HR 5381, Motor Vehicle Safety Act of 2010 S 3217, Restoring American Financial Stability Act S1065, Iran Sanctions enabling Act of 2009

Client expense: $15,460,000 · 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)

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)

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

See Attached HR 1754, Financial System Stabilization and Reform Act of 2009 HR 3126, Consumer Financial Protection Agency Act of 2009 HR 3310, Consumer Protection and Regulatory Enhancement Act HR 3996, Financial Stability Improvement Act of 2009 HR 4173, Wall Street Reform and Consumer Protection Act of 2009 HR 4516, Financial Services Industry Stability Act of 2010 HR 6334, A bill to amend the Community Reinvestment Act of 1977 to improve the assessments of regulated financial institutions, and for other purposes. HR 74, Financial Oversight Commision Act of 2009 S 2756, Financial Services Systemic Risk Oversight Council Act of 2009 S 664, Financial System Stabilization and Reform Act of 2009

Client expense: $270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 977, HR 1754, HR 2111, HR 2253, HR 3126, HR 3269, HR 3300, HR 3310, HR 3765, HR 3996, HR4142, HR 4173, HR 4191, HR 4516, HR 498, HR 6223, HR 6334, HR 74, HR 885, S 1354, S 1691, S 2746, S 2756, S 2813, S 298, S 3149, S 344, S 3826, S 567, S 605, S 664

Client expense: $1,170,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 1754 To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the federal government, and for other purposes H.R.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R. 4173: to provide for financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, executive compensation H.R. 6334: to amend the Community Reinvestment Act of 1977 to improve the assessments of regulated financial institutions S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security. S 3217 To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end `too big to fail', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices - regulatory reform

Client expense: $315,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 1754 To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the federal government, and for other purposes H.R.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R. 4173, to provide for financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, executive compensation S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security. S 3217 To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end `too big to fail', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices - regulatory reform

Client expense: $315,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

HR 4173 Wall Street Reform and Consumer Protection Act of 2009; Issue: all aspects impacting insurance regulation S. 3217 Restoring American Financial Stability Act of 2010; Issue: all aspects impacting insurance regulation HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue:reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. HR 2609 Create a federal Office of Insurance Information; Issue: need for federal insurance expertise; scope of office HR 2571 and S 1363 Non-Admitted and Reinsurance Reform; Issue: need for reform for these insurance lines HR 2733/S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act; Issue: clarify that certain annuity products are exempt from federal regulation Other Financial Services Regulatory Reform bills, including: HR 1880 - The National Insurance Consumer Protection Act; HR 3996 Financial Stability Improvement Act; S 2756 Financial Services Systemic Risk Oversight Council Act; HR 3310 Consumer Protection and Regulatory Enhancement Act; HR 2253/S 298 Financial Markets Commission Act, S 664 and HR 1754 The Financial System Stabilization and Reform Act of 2009; HR 4191 Let Wall Street Pay for the Restoration of Main Street, HR 885/S 1354 Improved Financial and Commodity Markets Oversight and Accountability Act, S 1540 Resolution Reform Act, S 2813 Investor Rights and Corporate Accountability Act, HR 3269 Corporate and Financial Institution Compensation Fairness Act, HR 4142/S 2746 Too Big to Fail, Too Big to Exist Act, HR 4516 Financial Services Industry Stability Act of 2010; and HR 2111 Congressional Commission on Financial Accoutability and Preparedness Act; Issues on all above regulatory reform bills: all aspects of financial services regulatory reform affecting the insurance industry, including scope of Federal Insurance Office, consumer protection, systemic risk regulation, resolution authority, and funding mechanisms. S 3546 Cheaper Car Insurance Act of 2010; Issue: federal efforts to crack down on insurance fraud S 3685 Insurance Competition and Transparency Act of 2010; Issue: Oppose greater FTC involvement in insurance regulation

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 302 (To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities); H.R. 1260 (Patent Reform Act); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1575 (End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act); 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) (restrictions on compensation); H.R. 1669 (To require the Secretary of the Treasury to establish a market for municipal securities, to require cooperation between the Secretary and the Chairman of the Board of Governors of the Federal Reserve System in addressing the municipal securities market situation including through the establishment of municipal securities funding facilities, and for other purposes); H.R. 1731 (Credit Risk Retention Act); H.R. 1944 (Active Financing Rules); H.R. 2221 (Data Accountability and Trust Act); H.R. 2549 (The Municipal Bond Fairness Act); H.R. 2550 (The Municipal Advisers Regulation Act); H.R. 2551 (The Municipal Market Liquidity Enhancement Act of 2009); H.R. 2589 (The Municipal Bond Insurance Enhancement Act of 2009); H.R. 2847 (Hiring Incentives to Restore Employment Act); H.R. 2896 (Equal Treatments Of Covered Bonds Act of 2009); H.R. 3005 (National Institute of Finance Act of 2010); H.R. 3126 (Consumer Financial Protection Agency Act of 2009); H.R. 3145 (Credit Default Swap Prohibition Act of 2009); H.R. 3269 (Corporate and Financial Institution compensation Fairness Act of 2009); H.R. 3306 (to enhance Social Security account number privacy protections); H.R. 3310 (To reform the financial regulatory system of the United States); H.R. 3817 (Investor Protection Act of 2009); H.R. 3818 (Private Fund Investment Advisers Registration Act of 2009); H.R. 3890 (Accountability and Transparency in Rating Agencies Act); H.R. 4173 (Wall Street Reform and Consumer Protection Act of 2009)(Systemic risk regulation and liquidation authority); H.R. 4191 (Wall Street Fair Share Act); H.R. 4872 (The Reconciliation Act of 2010); H.R. 4884 (U.S. Covered Bond Act of 2010); H.R. 5927 (Small Business Lending Fund Act); S. 139 (Data Breach Notification Act); S. 386 (Fraud Enforcement and Recovery Act); S. 515 (Patent Reform Act); S. 651 (Compensation Fairness Act of 2009); S. 773 (Cyber Security Act of 2009); S. 931 (Arbitration Fairness Act of 2009); S. 961 (Authorizing the Regulation of Swaps Act); S. 1490 (Personal Data Privacy and Security Act of 2009); S. 1551 (Liability for Aiding and Abetting Securities Violations of 2009); S. 1682 (to provide the CFTC with antimarket manipulation authority); S. 1683 (Pay It Back Act); S. 2886 (Bank Integrity Act of 2009) (Glass-Steagall Repeal); S. 2927 (Wall Street Fair Share Act); S. 3005 (National Institute of Finance Act of 2010); S. 3217 (Governmental Accounting Standards Board (GASB) Funding)(Regulatory Capital Requirements, systemic risk regulation and liquidation authority); S. Amdt. 3792 (Fiduciary Duty); S. Amdt. 4057 (Governmental Accounting Standards Board (GASB) Funding); Restoring American Financial Stability Act of 2010: Title I (Financial Stability); Title II (Resolution Authority); Title IX ( Asset-Backed Securitization); Title X (Broker-Dealer Standard of Care); Title IX (FED Lending and Fiscal Policy Functions); Resolution Authority for Systemically Significant Financial Companies Act of 2009; Systemic Risk Regulation; Troubled Asset Backed Securities Loan Facility (H-1B); State Regulation of Credit Default Swaps as Insurance; PPIP Investor and Asset Manager Requirements; China - strategic and economic dialog; Market Structure Issues (dark pools, flash quotes, high frequency trading); Transatlantic Economic Council (Trade Issues); Preservation of independent contractor status for financial services sector; Bilateral Investment Treaties, India; Asian Pacific Economic Council Privacy Issues; Transpacific Partnership; European Union proposal regarding Credit Default Swaps and Credit Rating Agencies and their impact on US Markets; EU Alternative Investment Fund Managers Proposal (AIFM); Basel Capital Rules; G-20 (Issues related to the November 15, 2008 "Washington Action Plan"); Government Sponsored Enterprises Reform; Regulatory Capital Requirements; Accounting standards for municipalities; Dodd/Frank Financial Regulation Reform.

Client expense: $1,480,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

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 1728, The Mortgage Reform and Anti-Predatory Lending Act of 2009 HR 1327, Iran Sanctions Enabling Act 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 HR 5381, Motor Vehicle Safety Act of 2010 S 3217, Restoring American Financial Stability Act S1065, Iran Sanctions enabling Act of 2009

Client expense: $8,300,000 · 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 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

HR 977, HR 1754, HR 2111, HR 2253, HR 3126, HR 3269, HR 3300, HR 3310, HR 3996, HR 4142, HR 4173, HR 4149, HR 4516, HR 498, HR 74, HR 885, S 1354, S 1691, S 2746, S 2756, S 2813, S 298, S 3149, S 344, S 567, S 605, S 664, S 3127

Client expense: $1,490,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 1754 To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the federal government, and for other purposes H.R.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R.3817: To provide the Securities and Exchange Commission with additional authorities to protect investors from violations of the securities laws H.R. 4173, to provide for financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, executive compensation S 344 A bill to require hedge funds to register with the Securities and Exchange Commission, and for other purposes S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1006 to require a supermajority shareholder vote to approve excessive compensation of any employee of a publicly-traded company S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S. 1276 A bill to require investment advisers to private funds, including hedge funds, private equity funds, venture capital funds, and others to register with the Securities and Exchange Commission, and for other purposes. S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security. S. 3149 to amend the Internal Revenue Code of 1986 to limit certain executive compensation paid by systemically significant financial institutions S 3217 To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end `too big to fail', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices - regulatory reform

Client expense: $425,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

HR 4173 Wall Street Reform and Consumer Protection Act of 2009; Issue: all aspects impacting insurance regulation S. 3217 Restoring American Financial Stability Act of 2010; Issue: all aspects impacting insurance regulation HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue:reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. HR 2609 Create a federal Office of Insurance Information; Issue: need for federal insurance expertise; scope of office HR 2571 and S 1363 Non-Admitted and Reinsurance Reform; Issue: need for reform for these insurance lines HR 2733/S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act; Issue: clarify that certain annuity products are exempt from federal regulation HR 3817 Investor Protection Act - all aspects pertaining to the sale of financial products and the licensing of agents Other Financial Services Regulatory Reform bills, including: HR 1880 - The National Insurance Consumer Protection Act; HR 3396 Financial Stability Improvement Act; S 2756 Financial Services Systemic Risk Oversight Council Act; HR 3310 Consumer Protection and Regulatory Enhancement Act; HR 2253/S 298 Financial Markets Commission Act, S 664 and HR 1754 The Financial System Stabilization and Reform Act of 2009; HR 4191 Let Wall Street Pay for the Restoration of Main Street, HR 885/S 1354 Improved Financial and Commodity Markets Oversight and Accountability Act, S 1540 Resolution Reform Act, S 2813 Investor Rights and Corporate Accountability Act, HR 3269 Corporate and Financial Institution Compensation Fairness Act, HR 4142/S 2746 Too Big to Fail, Too Big to Exist Act, and HR 2111 Congressional Commission on Financial Accoutability and Preparedness Act; Issues on all above bills: all aspects of financial services regulatory reform affecting the insurance industry, including scope of Federal Insurance Office, consumer protection, systemic risk regulation, resolution authority, and funding mechanisms.

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 977 To amend the Commodity Exchange Act to bring greater transparency and accountability to commodity markets, and for other purposes. HR 1754 To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the federal government, and for other purposes H.R.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R.3817: To provide the Securities and Exchange Commission with additional authorities to protect investors from violations of the securities laws H.R.3996 To improve financial stability H.R. 4173, to provide for financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, executive compensation S 272 A bill to amend the Commodity Exchange Act to ensure that all agreements, contracts, and transactions with respect to commodities are carried out on a regulated exchange, and for other purposes. S 344 A bill to require hedge funds to register with the Securities and Exchange Commission, and for other purposes S 356 A bill to amend the Bank Holding Company Act of 1956 and the Revised Statutes of the United States to prohibit financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities, and for other purposes. S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1006 to require a supermajority shareholder vote to approve excessive compensation of any employee of a publicly-traded company S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S. 1276 A bill to require investment advisers to private funds, including hedge funds, private equity funds, venture capital funds, and others to register with the Securities and Exchange Commission, and for other purposes. S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security. S. 3149 to amend the Internal Revenue Code of 1986 to limit certain executive compensation paid by systemically significant financial institutions S 3217 To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end `too big to fail', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices - regulatory reform

Client expense: $1,050,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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)

H.R. 302 (To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities); H.R. 1260 (Patent Reform Act); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1575 (End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act); 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) (restrictions on compensation); H.R. 1669 (To require the Secretary of the Treasury to establish a market for municipal securities, to require cooperation between the Secretary and the Chairman of the Board of Governors of the Federal Reserve System in addressing the municipal securities market situation including through the establishment of municipal securities funding facilities, and for other purposes); H.R. 1731 (Credit Risk Retention Act); H.R. 1944 (Active Financing Rules); H.R. 2221 (Data Accountability and Trust Act); H.R. 2549 (The Municipal Bond Fairness Act); H.R. 2550 (The Municipal Advisers Regulation Act); H.R. 2551 (The Municipal Market Liquidity Enhancement Act of 2009); H.R. 2589 (The Municipal Bond Insurance Enhancement Act of 2009); H.R. 2847 (Hiring Incentives to Restore Employment Act); H.R. 2896 (Equal Treatments Of Covered Bonds Act of 2009); H.R. 3005 (National Institute of Finance Act of 2010); H.R. 3126 (Consumer Financial Protection Agency Act of 2009); H.R. 3145 (Credit Default Swap Prohibition Act of 2009); H.R. 3269 (Corporate and Financial Institution compensation Fairness Act of 2009); H.R. 3306 (to enhance Social Security account number privacy protections); H.R. 3310 (To reform the financial regulatory system of the United States); H.R. 3817 (Investor Protection Act of 2009); H.R. 3818 (Private Fund Investment Advisers Registration Act of 2009); H.R. 3890 (Accountability and Transparency in Rating Agencies Act); H.R. 4173 (Wall Street Reform and Consumer Protection Act of 2009); H.R. 4191 (Wall Street Fair Share Act); H.R. 4872 (THe Reconciliation Act of 2010); H.R. 4884 (U.S. Covered Bond Act of 2010); S. 139 (Data Breach Notification Act); S. 386 (Fraud Enforcement and Recovery Act); S. 515 (Patent Reform Act); S. 651 (Compensation Fairness Act of 2009); S. 773 (Cyber Security Act of 2009); S. 931 (Arbitration Fairness Act of 2009); S. 961 (Authorizing the Regulation of Swaps Act); S. 1490 (Personal Data Privacy and Security Act of 2009); S. 1551 (Liability for Aiding and Abetting Securities Violations of 2009); S. 1682 (to provide the CFTC with antimarket manipulation authority); S. 2886 (Bank Integrity Act of 2009) (Glass-Steagall Repeal); S. 2927 (Wall Street Fair Share Act); Restoring American Financial Stability Act of 2010: Title I (Financial Stability); Title II (Resolution Authority); Title IX ( Asset-Backed Securitization); Title X (Broker-Dealer Standard of Care); Title IX (FED Lending and Fiscal Policy Functions); Resolution Authority for Systemically Significant Financial Companies Act of 2009; Systemic Risk Regulation; Troubled Asset Backed Securities Loan Facility (H-1B); State Regulation of Credit Default Swaps as Insurance; PPIP Investor and Asset Manager Requirements; China - strategic and economic dialog; Market Structure Issues (dark pools, flash quotes, high frequency trading); Transatlantic Economic Council (Trade Issues); Preservation of independent contractor status for financial services sector; Bilateral Investment Treaties, India; Asian Pacific Economic Council Privacy Issues; Transpacific Partnership; European Union proposal regarding Credit Default Swaps and Credit Rating Agencies and their impact on US Markets; EU Alternative Investment Fund Managers Proposal (AIFM); G-20 (Issues related to the November 15, 2008 "Washington Action Plan"); Government Sponsored Enterprises Reform; Regulatory Capital Requirements.

Client expense: $1,390,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

HR 74, HR 498, HR 885, HR 977, HR 1754, HR 2111, HR 2253, HR 3126, HR 3269, HR 3300, HR 3310, HR 3996, HR 4142, HR 4173, HR 4191, HR 4516, S 298, S 344, S 605, S 664, S 1354, S 1691, S 2746, S 2756, S 2813

Client expense: $750,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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

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

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

HR 1880 - The National Insurance Consumer Protection Act; Issue: concerns about federal regulation of insurance S 664 and HR 1754 The Financial System Stabilization and Reform Act of 2009; Issue: continued role for state regulators HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue:reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. HR 3396 Financial Stability Improvement Act; S 2756 Financial Services Systemic Risk Oversight Council Act; Issues: how to define systemic risk?, what size and type of company should be regulated by the Council? S. 3217 Restoring American Financial Stability Act of 2010 (Sen. Dodd) Issue: concerns over creation of a pre-event resolution fund; scope of new Office of National Insurance HR 2609 Create a federal Office of Insurance Information; Issue: need for federal insurance expertise HR 2571 and S 1363 Non-Admitted and Reinsurance Reform; Issue: need for reform for these insurance lines Financial Services Regulatory Reform bills, including HR 4173 Wall Street Reform and Consumer Protection Act of 2009, HR 3310 Consumer Protection and Regulatory Enhancement Act; HR 2253/S 298 Financial Markets Commission Act, HR 4191 Let Wall Street Pay for the Restoration of Main Street, HR 885/S 1354 Improved Financial and Commodity Markets Oversight and Accountability Act, HR 977 Derivatives Market Transparency and Accountability Act, HR 3300 Derivative Trading Accountability and Disclosure Act, S 1540 Resolution Reform Act, S 1691 Comprehensive Derivatives Regulation Act, S 2813 Investor Rights and Corporate Accountability Act HR 3269 Corporate and Financial Institution Compensation Fairness Act, HR 4142/S 2746 Too Big to Fail, Too Big to Exist Act, and HR 2111 Congressional Commission on Financial Accoutability and Preparedness Act; Issue: all aspects of financial services regulatory reform affecting the insurance industry HR 3817 Investor Protection Act - all aspects pertaining to the sale of financial products and the licensing of agents HR 2733/S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act; Issue: clarify that certain annuity products are exempt from federal regulation S. 1297 Retirement Security for Life Act. Issue: Tax Incentives for Annuities HR 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax incentives for Annuities. NOT YET INTRODUCED Restrictions on insurers use of credit scoring; Issue: ability to continue to use an accurate predictor of insurance claims

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

Government targets: 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 977, "Derivatives Markets Transparency Act of 2009" S 272, "Derivatives Trading Integrity Act" HR 3300 "To provide increased transparency and regulatory requirements for the trading of certain derivative financial instruments" S 1682 "A bill to provide the Commodity Futures Trading Commission with clear antimarket manipulation authority and for other purposes." S. 1691 "A bill to comprehensively regulate derivatives markets to increase transparency and reduce risks in the financial system." H.R. 2382, "The Credit Card Interchange Fees Act of 2009 H.R. 3639, The Expedited CARD Reform for Consumers Act of 2009 H.R. 3126: Consumer Financial Protection Agency Act of 2009 H.R. 1456: Consumer Overdraft Protection Fair Practices Act ... HR 200, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 1106, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 3639, "Expedited CARD Reform for Consumers Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 3310, "Consumer Protection and Regulatory Enhancement Act" HR 3669, "Financial Stability Improvement Act of 2009" HR 4713, "Wall Street Reform and Consumer Protection Act of 2009" General proposals to reform the financial services regulatory framework

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

Government targets: Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 977, "Derivatives Markets Transparency Act of 2009" S 272, "Derivatives Trading Integrity Act" HR 3300 "To provide increased transparency and regulatory requirements for the trading of certain derivative financial instruments" S 1682 "A bill to provide the Commodity Futures Trading Commission with clear antimarket manipulation authority and for other purposes." S. 1691 "A bill to comprehensively regulate derivatives markets to increase transparency and reduce risks in the financial system." H.R. 2382, "The Credit Card Interchange Fees Act of 2009 H.R. 3639, The Expedited CARD Reform for Consumers Act of 2009 H.R. 3126: Consumer Financial Protection Agency Act of 2009 H.R. 1456: Consumer Overdraft Protection Fair Practices Act ... HR 200, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 1106, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 3639, "Expedited CARD Reform for Consumers Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 3310, "Consumer Protection and Regulatory Enhancement Act" HR 3669, "Financial Stability Improvement Act of 2009" HR 4713, "Wall Street Reform and Consumer Protection Act of 2009" General proposals to reform the financial services regulatory framework

Client expense: $530,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 1 (The American Recovery and Reinvestment Act of 2009) (amendment to section 111 of EESA) (H1-B); H.R. 302 (To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities); H.R. 1260 (Patent Reform Act); H.R. 1424 (Emergency Economic Stabilization Act); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1575 (End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act); 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) (restrictions on compensation); H.R. 1669 (To require the Secretary of the Treasury to establish a market for municipal securities, to require cooperation between the Secretary and the Chairman of the Board of Governors of the Federal Reserve System in addressing the municipal securities market situation including through the establishment of municipal securities funding facilities, and for other purposes); H.R. 1731 (Credit Risk Retention Act); H.R. 1944 (Active Financing Rules); H.R. 2221 (Data Accountability and Trust Act); H.R. 2549 (The Municipal Bond Fairness Act); H.R. 2550 (The Municipal Advisers Regulation Act); H.R. 2551 (The Municipal Market Liquidity Enhancement Act of 2009); H.R. 2589 (The Municipal Bond Insurance Enhancement Act of 2009); H.R. 2896 (Equal Treatments Of Covered Bonds Act of 2009); H.R. 3126 (Consumer Financial Protection Agency Act of 2009); H.R. 3145 (Credit Default Swap Prohibition Act of 2009); H.R. 3269 (Corporate and Financial Institution compensation Fairness Act of 2009); H.R. 3306 (to enhance Social Security account number privacy protections); H.R. 3310 (To reform the financial regulatory system of the United States); H.R. 3817 (Investor Protection Act of 2009); H.R. 3818 (Private Fund Investment Advisers Registration Act of 2009); H.R. 3890 (Accountability and Transparency in Rating Agencies Act); H.R. 4173 (Wall Street Reform and Consumer Protection Act of 2009); S. 139 (Data Breach Notification Act); S. 386 (Fraud Enforcement and Recovery Act); S. 515 (Patent Reform Act); S. 651 (Compensation Fairness Act of 2009); S. 773 (Cyber Security Act of 2009); S. 931 (Arbitration Fairness Act of 2009); S. 961 (Authorizing the Regulation of Swaps Act); S. 1490 (Personal Data Privacy and Security Act of 2009); S. 1551 (Liability for Aiding and Abetting Securities Violations of 2009); S. 1682 (to provide the CFTC with antimarket manipulation authority); S. 2886 (Bank Integrity Act of 2009) (Glass-Steagall Repeal); S. 2927 (Wall Street Fair Share Act); Resolution Authority for Systemically Significant Financial Companies Act of 2009; Systemic Risk Regulation; Troubled Asset Backed Securities Loan Facility (H-1B); State Regulation of Credit Default Swaps as Insurance; Sen. Dodd's Financial Reform Legislation; PPIP Investor and Asset Manager Requirements; China - strategic and economic dialog; Market Structure Issues (dark pools, flash quotes, high frequency trading); Transatlantic Economic Council (Trade Issues); Preservation of independent contractor status for financial services sector; Bilateral Investment Treaties, India; Asian Pacific Economic Council Privacy Issues; Transpacific Partnership; Covered bonds; Broker-Dealer Duty of Care; European Union proposal regarding Credit Default Swaps and Credit Rating Agencies and their impact on US Markets; EU Alternative Investment Fund Managers Proposal (AIFM); G-20 (Issues related to the November 15, 2008 "Washington Action Plan").

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

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

HR 977, "Derivatives Markets Transparency Act of 2009" S 272, "Derivatives Trading Integrity Act" HR 3300 "To provide increased transparency and regulatory requirements for the trading of certain derivative financial instruments" S 1682 "A bill to provide the Commodity Futures Trading Commission with clear antimarket manipulation authority and for other purposes." S. 1691 "A bill to comprehensively regulate derivatives markets to increase transparency and reduce risks in the financial system." H.R. 2382, "The Credit Card Interchange Fees Act of 2009 H.R. 3639, The Expedited CARD Reform for Consumers Act of 2009 H.R. 3126: Consumer Financial Protection Agency Act of 2009 H.R. 1456: Consumer Overdraft Protection Fair Practices Act ... HR 200, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 1106, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 3639, "Expedited CARD Reform for Consumers Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 3310, "Consumer Protection and Regulatory Enhancement Act" HR 3669, "Financial Stability Improvement Act of 2009" HR 4713, "Wall Street Reform and Consumer Protection Act of 2009" General proposals to reform the financial services regulatory framework

Client expense: $530,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 977 - Derivatives Markets Transparency and Accountability Act of 2009; provisions relating to use of derivatives by insurers H.R. 991 - Consumer Fairness Act of 2009; provisions affecting securities industry and franchise relationships H.R. 1020 - Arbitration Fairness Act of 2009; provisions affecting securities industry and franchise relationships 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; entire bill H.R. 1754 - Financial System Stabilization and Reform Act of 2009; entire bill H.R. 2221 The Data Accountability and Trust Act; provisions relating to non-applicability to GLB-regulated financial firms H.R. 3126 - Consumer Financial Protection Agency Act of 2009; provisions relating to banking, insurance, securities, and financial planning H.R. 3269 Corporate and Financial Institution Compensation Fairness Act; entire bill H.R. 3300 - Derivative Trading Accountability and Disclosure Act; provisions relating to use of derivatives by insurers H.R. 3310 - Consumer Protection and Regulatory Enhancement Act; entire bill H.R. 3795 Over the Counter Derivatives Market Act; provisions relating to use of derivatives by insurers H.R. 3817 Investor Protection Act of 2009; entire bill H.R. 3818 - Private Fund Investment Advisers Registration Act of 2009; entire bill H.R. 3890 - Accountability and Transparency in Rating Agencies Act; entire bill H.R. 3996 - Financial Stability Improvement Act of 2009; provisions relating to systemic risk management, thrift holding company charters, resolution authority H.R. 4173 - Wall Street Reform and Consumer Protection Act of 2009; entire bill S. 272 - Derivatives Trading Integrity Act of 2009; provisions relating to use of derivatives by insurers S. 605 - A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities; entire bill S. 931 Arbitration Fairness Act of 2009; provisions relating to securities industry and franchise relationships S. 1074 Shareholder Bill of Rights Act; entire bill S. 1691 - Comprehensive Derivatives Regulation Act of 2009; provisions relating to use of derivatives by insurers Bill Not Yet Assigned: Senate Banking Committee legislation Restoring American Financial Stability Act of 2009; entire proposal

Client expense: $440,000 · Firm income: Not reported

Government targets: 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: $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)

HR 977, "Derivatives Markets Transparency Act of 2009" S 272, "Derivatives Trading Integrity Act" HR 3300 "To provide increased transparency and regulatory requirements for the trading of certain derivative financial instruments" S 1682 "A bill to provide the Commodity Futures Trading Commission with clear antimarket manipulation authority and for other purposes." S. 1691 "A bill to comprehensively regulate derivatives markets to increase transparency and reduce risks in the financial system." H.R. 2382, "The Credit Card Interchange Fees Act of 2009 H.R. 3639, The Expedited CARD Reform for Consumers Act of 2009 H.R. 3126: Consumer Financial Protection Agency Act of 2009 H.R. 1456: Consumer Overdraft Protection Fair Practices Act ... HR 200, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 1106, "Helping People Save Their Homes in Bankruptcy Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 3639, "Expedited CARD Reform for Consumers Act of 2009" HR 225, "Emergency Homeownership and Equity Protection Act" HR 3310, "Consumer Protection and Regulatory Enhancement Act" HR 3669, "Financial Stability Improvement Act of 2009" HR 4713, "Wall Street Reform and Consumer Protection Act of 2009" General proposals to reform the financial services regulatory framework

Client expense: $490,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 4173 / HR 3310 / HR 3996 Wall Street Reform and Consumer Protection Act of 2009, regarding financial services regulatory reform; HR 1349 Federal Accounting Oversight Board Act, general issues regarding accounting practices; HR 3126 Consumer Financial Protection Agency Act, regarding issues of creation of a consumer protection agency for financial products and regulatory restructuring.

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

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

H.R. 1 (The American Recovery and Reinvestment Act of 2009) (amendment to section 111 of EESA) (H1-B); H.R. 302 (To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities); H.R. 1260 (Patent Reform Act); H.R. 1424 (Emergency Economic Stabilization Act); H.R. 1020 (Arbitration Fairness Act of 2009); H.R. 1575 (End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act); 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) (restrictions on compensation); H.R. 1669 (To require the Secretary of the Treasury to establish a market for municipal securities, to require cooperation between the Secretary and the Chairman of the Board of Governors of the Federal Reserve System in addressing the municipal securities market situation including through the establishment of municipal securities funding facilities, and for other purposes); H.R. 1731 (Credit Risk Retention Act); H.R. 1944 (Active Financing Rules); H.R. 2221 (Data Accountability and Trust Act); H.R. 2549 (The Municipal Bond Fairness Act); H.R. 2550 (The Municipal Advisers Regulation Act); H.R. 2551 (The Municipal Market Liquidity Enhancement Act of 2009); H.R. 2589 (The Municipal Bond Insurance Enhancement Act of 2009); H.R. 2896 (Equal Treatments Of Covered Bonds Act of 2009); H.R. 3126 (Consumer Financial Protection Agency Act of 2009); H.R. 3145 (Credit Default Swap Prohibition Act of 2009); H.R. 3269 (Corporate and Financial Institution compensation Fairness Act of 2009); H.R. 3306 (to enhance Social Security account number privacy protections); H.R. 3310 (To reform the financial regulatory system of the United States); H.R. 3817 (Investor Protection Act of 2009); H.R. 3818 (Private Fund Investment Advisers Registration Act of 2009); H.R. 3890 (Accountability and Transparency in Rating Agencies Act); H.R. 4173 (Wall Street Reform and Consumer Protection Act of 2009); S. 139 (Data Breach Notification Act); S. 386 (Fraud Enforcement and Recovery Act); S. 515 (Patent Reform Act); S. 651 (Compensation Fairness Act of 2009); S. 773 (Cyber Security Act of 2009); S. 931 (Arbitration Fairness Act of 2009); S. 961 (Authorizing the Regulation of Swaps Act); S. 1490 (Personal Data Privacy and Security Act of 2009); S. 1551 (Liability for Aiding and Abetting Securities Violations of 2009); S. 1682 (to provide the CFTC with antimarket manipulation authority); S. 2886 (Bank Integrity Act of 2009) (Glass-Steagall Repeal); S. 2927 (Wall Street Fair Share Act); Resolution Authority for Systemically Significant Financial Companies Act of 2009; Systemic Risk Regulation; Troubled Asset Backed Securities Loan Facility (H-1B); State Regulation of Credit Default Swaps as Insurance; Sen. Dodd's Financial Reform Legislation; PPIP Investor and Asset Manager Requirements; China - strategic and economic dialog; Market Structure Issues (dark pools, flash quotes, high frequency trading); Transatlantic Economic Council (Trade Issues); Preservation of independent contractor status for financial services sector; Bilateral Investment Treaties, India; Asian Pacific Economic Council Privacy Issues; Transpacific Partnership; Covered bonds; Broker-Dealer Duty of Care; European Union proposal regarding Credit Default Swaps and Credit Rating Agencies and their impact on US Markets; EU Alternative Investment Fund Managers Proposal (AIFM); G-20 (Issues related to the November 15, 2008 "Washington Action Plan").

Client expense: $1,230,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

HR 74, HR 885, HR 977, HR 1754, HR 2111, HR 2253, HR 3126, HR 3269, HR 3300, HR 3310, HR 3996, HR 4142, HR 4173, HR 4191, S 298, S 344, S 567, S 605, S 664, S 1354, S 1691, S 2746, S 2756, S 2813

Client expense: $790,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 4173 - Wall Street Reform and Consumer Protection Act of 2009 (excluding exective compensation provisions), Restoring American Financial Stability Act: Chairman's Mark (Dodd draft, not formally introduced), S.1799 - Fairness and Accountability in Receiving (FAIR) Overdraft Coverage Act, HR 3126 - Consumer Financial Services Protection Act; S 1691- Comprehensive Derivatives Regulation Act; HR 3310 - Consumer Protection and Regulatory Enhancement Act HR 3126 - The Consumer Financial Protection Agency Act HR 2221 - Data Accountability and Trust Act - Application of the Act to GLBS covered entities HR 2382 - Credit Card Interchange Fees Act of 2009 HR 3639 - Expedited CARD Reform for Consumer Act of 2009 HR 1456 - Consumer Overdraft Protection Fair Practices Act HR 3904 - Overdraft Protection Act of 2009 S 1927 - Credit Card Rate Freeze Act of 2009 S 1833 - Expedited CARD Reform for Consumers Act of 2009 The Ability-to-Pay section of the CARD Act rules Unlawful Internet Gambling Enforcement Act (UIGEA) and Regulation GG rules

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

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

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

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

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

HR 1880 - The National Insurance Consumer Protection Act; Issue: concerns about federal regulation of insurance S 664 and HR 1754 The Financial System Stabilization and Reform Act of 2009; Issue: continued role for state regulators HR 2554 National Association of Registered Agent and Brokers Reform Act; Issue:reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support this bill. HR 635 Establish National Commission on State Workers' Compensation Laws; Issue: Is there a need for this Commission? HR 3396 Financial Stability Improvement Act; S 2756 Financial Services Systemic Risk Oversight Council Act; Issue: how to define systemic risk?, what size and type of company should be regulated by the Council? concerns over creation of a pre-event resolution fund HR 2609 Create a federal Office of Insurance Information; Issue: need for federal insurance expertise HR 2571 and S 1363 Non-Admitted and Reinsurance Reform; Issue: need for reform for these insurance lines Financial Services Regulatory Reform bills, including HR 4173 Wall Street Reform and Consumer Protection Act of 2009, HR 3310 Consumer Protection and Regulatory Enhancement Act; HR 2253/S 298 Financial Markets Commission Act, HR 4191 Let Wall Street Pay for the Restoration of Main Street, HR 885/S 1354 Improved Financial and Commodity Markets Oversight and Accountability Act, HR 977 Derivatives Market Transparency and Accountability Act, HR 3300 Derivative Trading Accountability and Disclosure Act, S 1540 Resolution Reform Act, S 1691 Comprehensive Derivatives Regulation Act, S 2813 Investor Rights and Corporate Accountability Act HR 3269 Corporate and Financial Institution Compensation Fairness Act, HR 4142/S 2746 Too Big to Fail, Too Big to Exist Act, and HR 2111 Congressional Commission on Financial Accoutability and Preparedness Act; Issue: all aspects of financial services regulatory reform affecting the insurance industry HR 3817 Investor Protection Act - all aspects pertaining to the sale of financial products and the licensing of agents HR 2733/S 1389 - Fixed Indexed Annuities and Insurance Products Classification Act; Issue: clarify that certain annuity products are exempt from federal regulation NOT YET INTRODUCED Restrictions on insurers use of credit scoring; Issue: ability to continue to use an accurate predictor of insurance claims

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 710 To secure additional Tier I capital for the U.S. banking system from parties other than the federal government by providing authority to the secretary of the treasury to guaranty certain new preferred stock investments made by public pensions acting in a collective fashion, and for other purposes HR 977 To amend the Commodity Exchange Act to bring greater transparency and accountability to commodity markets, and for other purposes. HR 1754 To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the federal government, and for other purposes H.R.2221: To protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breach. HR. 3126: Establishment of the Consumer Financial Protection Agency H.R. 3269: To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation and to prevent perverse incentives in the compensation practices of financial institutions HR. 3310: To reform the financial regulatory system of the United States, and for other purposes H.R.3817: To provide the Securities and Exchange Commission with additional authorities to protect investors from violations of the securities laws H.R.3996 To improve financial stability H.R. 4173, to provide for financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, executive compensation S 272 A bill to amend the Commodity Exchange Act to ensure that all agreements, contracts, and transactions with respect to commodities are carried out on a regulated exchange, and for other purposes. S 344 A bill to require hedge funds to register with the Securities and Exchange Commission, and for other purposes S 356 A bill to amend the Bank Holding Company Act of 1956 and the Revised Statutes of the United States to prohibit financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities, and for other purposes. S 605 A bill to require the Securities and Exchange Commission to reinstate the uptick rule and effectively regulate abusive short selling activities. S. 961 to authorize the regulation of credit default swaps and other swap agreements, and for other purposes S. 1006 to require a supermajority shareholder vote to approve excessive compensation of any employee of a publicly-traded company S. 1074 to provide shareholders with enhanced authority over the nomination, election, and compensation of public company executives S. 1276 A bill to require investment advisers to private funds, including hedge funds, private equity funds, venture capital funds, and others to register with the Securities and Exchange Commission, and for other purposes. Restoring American Financial Stability Act of 2009- To identify and address risks to the stability of the United States financial system through the establishment of the Agency for Financial Stability, to ensure the orderly resolution of failing complex financial institutions S.1661: A bill to protect older Americans from misleading and fraudulent marketing practices, with the goal of increasing retirement security.

Client expense: $460,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

US Treasury Department's Financial Regulatory Reform proposal: A New Foundation (HR 3269 - Corporate and Financial Institution Compensation Fairness Act of 2009; HR 3126 - Consumer Financial Services Protection Act; S 1691- Comprehensive Derivatives Regulation Act; HR 3310 - Consumer Protection and Regulatory Enhancement Act)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

US Treasury Department's Financial Regulatory Reform proposal: A New Foundation ( Systemic Risk; Tier One Financial Holding Companies; National Bank Supervisor and Resolution Authority; Office of National Insurance; Investor Protection; HR 3269 - Corporate and Financial Institution Compensation Fairness Act of 2009; HR 3126 - Consumer Financial Services Protection Act; S 1691- Comprehensive Derivatives Regulation Act; HR 3310 - Consumer Protection and Regulatory Enhancement Act) HR 2221 - Data Accountability and Trust Act - Application of the Act to GLBS covered entities HR 2382 - Credit Card Interchange Fees Act of 2009 HR 3639 - Expedited CARD Reform for Consumer Act of 2009 HR 1456 - Consumer Overdraft Protection Fair Practices Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1 (The American Recovery and Reinvestment Act of 2009) (amendment to section 111 of EESA) (H1-B); H.R. 302 (To require the Securities and Exchange Commission to reinstate the uptick rule on short sales of securities); H.R. 1260 (Patent Reform Act); H.R. 1424 (Emergency Economic Stabilization Act); H.R. 1575 (End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act); 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) (restrictions on compensation); H.R. 1669 (To require the Secretary of the Treasury to establish a market for municipal securities, to require cooperation between the Secretary and the Chairman of the Board of Governors of the Federal Reserve System in addressing the municipal securities market situation including through the establishment of municipal securities funding facilities, and for other purposes); S. 515 (Patent Reform Act); S. 651 (Compensation Fairness Act of 2009); European Union proposal regarding Credit Default Swaps and Credit Rating Agencies and their impact on US Markets; G-20 (Issues related to the November 15, 2008 "Washington Action Plan"); H.R. 2589 (The Municipal Bond Insurance Enhancement Act of 2009); H.R. 2549 (The Municipal Bond Fairness Act); H.R. 2550 (The Municipal Advisers Regulation Act); H.R. 2551 (The Municipal Market Liquidity Enhancement Act of 2009); Resolution Authority for Systemically Significant Financial Companies Act of 2009; Systemic Risk Regulation; Troubled Asset Backed Securities Loan Facility (H-1B); H.R. 2221 (Data Accountability and Trust Act); H.R. 2896 (Equal Treatments Of Covered Bonds Act of 2009); State Regulation of Credit Default Swaps as Insurance; S. 386 (Fraud Enforcement and Recovery Act); PPIP Investor and Asset Manager Requirements; S. 961 (Authorizing the Regulation of Swaps Act); H.R. 1944 (Active Financing Rules); China - strategic and economic dialog; H.R. 3306 (to enhance Social Security account number privacy protections); S. 1551 (Liability for Aiding and Abetting Securities Violations of 2009); S. 1682 (to provide the CFTC with antimarket manipulation authority); Market Structure Issues (dark pools, flash quotes, high frequency trading); H.R. 3269 (Corporate and Financial Institution compensation Fairness Act of 2009); H.R. 1020 (Arbitration Fairness Act of 2009); S. 931 (Arbitration Fairness Act of 2009); Transatlantic Economic Council (Trade Issues); H.R. 3310 (To reform the financial regulatory system of the United States); H.R. 3145 (Credit Default Swap Prohibition Act of 2009); H.R. 3126 (Consumer Financial Protection Agency Act of 2009); S. 773 (Cyber Security Act of 2009); S. 1490 (Personal Data Privacy and Security Act of 2009); Preservation of independent contractor status for financial services sector; Bilateral Investment Treaties, India; Asian Pacific Economic Council Privacy Issues.

Client expense: $1,190,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

US Treasury Department's Financial Regulatory Reform proposal: A New Foundation ( Systemic Risk; Tier One Financial Holding Companies; National Bank Supervisor and Resolution Authority; Office of National Insurance; Investor Protection; HR 3269 - Corporate and Financial Institution Compensation Fairness Act of 2009; HR 3126 - Consumer Financial Services Protection Act; S 1691- Comprehensive Derivatives Regulation Act; HR 3310 - Consumer Protection and Regulatory Enhancement Act) HR 2221 - Data Accountability and Trust Act - Application of the Act to GLBS covered entities HR 2382 - Credit Card Interchange Fees Act of 2009 HR 3639 - Expedited CARD Reform for Consumer Act of 2009 HR 1456 - Consumer Overdraft Protection Fair Practices Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

US Treasury Department's Financial Regulatory Reform proposal: A New Foundation (HR 3269 - Corporate and Financial Institution Compensation Fairness Act of 2009; HR 3126 - Consumer Financial Services Protection Act; S 1691- Comprehensive Derivatives Regulation Act; HR 3310 - Consumer Protection and Regulatory Enhancement Act)

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

Government targets: 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

Client expense: $6,940,000 · 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)