Promoting Lending to America's Small Businesses Act of 2009

H.R. 5297, the Small Business Jobs and Credit Act of 2010 (Entire Bill); S. 4036, to clarify National Credit Union Administration authority to make stabilization fund expenditures without borrowing from Treasury (Entire Bill); H.R. 6431, Protecting Homeowners and Foreclosure Stabilization Act (Entire Bill); H.R. 6398, to require the Federal Deposit Insurance Corporation to fully insure Interest on Lawyers Trust Accounts (Entire Bill); H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection (Entire Bill); S. 3677, the Financial Services and General Government Appropriations Act, 2011 (Section 745); H.R. 3808, the Interstate Recognition of Notarizations Act of 2010 (Entire Bill); H.R. 476, the Housing Fairness Act of 2009 (Entire Bill); S. 2919, the Small Business Lending Enhancement Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); R-1366, interim final rule on the Mortgage Disclosure Improvement Act (MDIA); R-1392, Escrow Requirements for Higher-Priced Mortgage Loans; Proposed Interpretive Rulings and Policy Statement (IRPS) on Chartering Corporate Federal Credit Unions; definition of "low-risk assets"; Cross-Border Electronic Transmittals of Funds (CBETFs); Collateralized Debt Obligations (CDOs); Supplemental Capital; Corporate Stabilization Fund implementation; Credit Union Interest Rate Ceiling; Data Security; IOLTA Coverage Parity for Credit Unions; Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; National Flood Insurance Program (NFIP) Extension; Credit Risk Retention; Asset-Backed Securities; Housing Finance Reform; Real Estate Appraiser Independence; Executive Compensation; Electronic Financial Statement Disclosure Requirements under the E-SIGN Act; Federal Trade Commission Pre-Merger Notification Requirements under the Hart-Scott-Rodino Act of 1976; Community Charter Conversions; Credit Union Governance; Credit Union Broker-Dealer Registration under the Gramm-Leach-Bliley Act of 1999; Risk-Based Capital; Mortgage Loan Originator Registration under the S.A.F.E. Mortgage Licensing Act of 2008; Creation of the Bureau of Consumer Financial Protection.

Client expense: $570,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 3380 - Promoting Lending to America's Small Businesses Act of 2009 - To amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. H.R. 5072 - FHA Reform Act of 2010 - To improve the financial safety and soundness of the FHA mortgage insurance program. H.R. 6256 - Strengthening FHA through Shared Equity Homeownership Act - Would crete a shared equity homeownership program under FHA. H.R. 6260 - Homeowners Equity Protection Act - Would prohibit private transfer fees on real properties, except for certain exclusions. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury, Fannie Mae and Freddie Mac regarding their implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale and how to improve the HAFA process. C.A.R. commented to Fannie Mae, Freddie Mac and FHFA regarding "Private Transfer Fees." C.A.R. asked them to issue guidelines opposing these fees and refuse to purchase, guarantee or insure mortgages taht have these fees on title. C.A.R. commented to the Federal Housing Finance Agency on their proposed guidelines regarding Private Transfer Fee Covenants. C.A.R. commented to the U.S. Treasury Department on their Request for Public Input on Reform of the Housing Finance System.

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

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

H.R. 25 - Fair Tax Act of 2009 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supported. H.R. 275 - Withholding Tax Relief Act of 2009 A bill to repeal the mandatory three-percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supported. H.R. 933 Family-Friendly Workplace Act of 2009 To amend the Fair Labor Standards Act of 1938 to provide compensatory time for employees in the private sector. NSBA supported. H.R. 946 - The Plain Language Act of 2009 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. H.R. 1409 - Employee Free Choice Act of 2009 To amend the National Labor Relations Act to establish an efficient system to enable employees to form, join, or assist labor organizations, to provide for mandatory injunctions for unfair labor practices during organizing efforts, and for other purposes. NSBA opposed. H.R. 1470 - Equity for Our Nations Self-Employed Act of 2009 The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. H.R. 2151 Fair Pay Act To amend the Fair Labor Standards Act of 1938 to prohibit discrimination in the payment of wages on account of sex, race, or national origin, and for other purposes. NSBA is monitoring this legislation. H.R. 2460 Healthy Families Act Requires certain employers, who employ 15 or more employees for each working day during 20 or more workweeks a year, to permit each employee to earn at least one hour of paid sick time for every 30 hours worked. NSBA opposed. H.R. 2965 Enhancing Small Business Research and Innovation Act of 2009 Bill would amend and reauthorize the Small Business Act with respect to the Small Business Innovation Research Program and the Small Business Technology Transfer Program. NSBA opposed. H.R. 3032 The Climate Change Center and Clearinghouse Act of 2009 Bill would establish within the SBA an Office of Environment, Energy, and Climate Change and a Climate Change Center and Clearinghouse to provide support and information on climate change to small businesses. NSBA supported. H.R. 3380 Promoting Lending to Americas Small Business Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. NSBA supported. H.R. 3457 Small Business Credit Card Act of 2009 Bill would amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, and for other purposes. NSBA supported. H.R. 3615 - Home Office Tax Deduction Act of 2009 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. H.R. 3905 - The Estate Tax Relief Act of 2009 Bill increases the estate tax exemption level to $5 million, and reduces the rate to 35 percent, both phased-in over ten years. NSBA supported. H.R. 4067 The Business Checking Fairness Act Bill would authorize interest-bearing transaction accounts at depository institutions. NSBA supported. H.R. 4302 The Small Business Job Creation and Access to Capital Act Bill would increase loan limits for small business concerns, to provide for low interest refinancing for small business concerns. NSBA supported. H.R.4549 the Small Business Innovation to Job Creation Act of 2010 Bill would authorize the Administrator of the Small Business Administration to make grants to small business concerns to assist the commercialization of research developed with funds received under the second phase of the Small Business Innovation Research Program. NSBA supported. H.R. 4853 Middle Class Tax Relief Act of 2010 It extends the Bush Tax cuts and provides temporary estate tax reform: an estate tax rate of 35 percent and a $5 million exemption for individuals, for two years. NSBA supported. H.R. 4855 Work-Life Balance Awards Act of 2010 To establish the Work-Life Balance Award for employers that have developed and implemented work-life balance policies. NSBA is monitoring this legislation. H.R. 4936 The Faster Access and Shorter Transaction Time for Checks Act Bill would make funds deposited in large depository institutions available more quickly to account holders. NSBA supported. H.R. 5107 Employee Misclassification Prevention Act of 2010 To amend the Fair Labor Standards Act of 1938 to require persons to keep records of non-employees who perform labor or services for remuneration and to provide a special penalty for persons who misclassify employees as non-employees, and for other purposes. NSBA opposed. H.R. 5141 - Small Business Paperwork Mandate Elimination Act Repeal section 9006 of the Patient Protection and Affordable Care Act (PPACA) that requires any business that purchases more than $600 of goods or services from another business to submit a 1099 form to the Internal Revenue Service (IRS). NSBA supported. H.R.5193 The Startup Visa Act Bill would establish an employment-based immigrant visa for alien entrepreneurs who have received significant capital from investors to establish a business in the United States. NSBA supported. H. R. 5249 The Capital Access for Main Street Act of 2010 Bill would provide amortization authority in certain situations, for purposes of capital calculation under the Financial Institutions Examination Council's Consolidated Reports of Condition and Income. NSBA supported. H.R.5411 The Early-Stage Business Investment and Incubation Act Bill would establish an early-stage business investment and incubation grant program at the Department of Commerce. NSBA supported. H.R.5412 The Small Business Asset Investment and Modernization (AIM) Act Bill would allow qualified small-business owners to refinance their existing debt through Fiscal Year 2012 through the SBA 504 lending program. NSBA supported. H.R. 5486 Small Business Jobs Tax Relief Act of 2010 Bill amends the Internal Revenue Code of 1986 to provide tax incentives for small business job creation. NSBA supported. H.R. 5982 Small Business Tax Relief Act of 2010 Bill repeals the provision of the Patient Protection and Affordable Care Act that amends the Internal Revenue Code to apply to corporations reporting requirements for payments of $600 or more to persons engaged in a trade or business. NSBA supported. H.R. 6384 (No short title) To repeal a limitation in the Labor-Management Relations Act regarding requirements for labor organization membership as a condition of employment. NSBA opposed S. 292 - Withholding Tax Relief Act of 2009 A bill to repeal the mandatory three-percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supported. S. 296 Fair Tax Act of 2009 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax on the use or consumption in the United States of taxable property or services. It sets the sales tax rate at 23 percent in 2011, with adjustments to the rate in subsequent years. NSBA supported. S. 515 The Patent Reform Act of 2009 Bill would reform U.S. patent system. NSBA opposed. S. 560 Employee Free Choice Act of 2009 To amend the National Labor Relations Act to establish an efficient system to enable employees to form, join, or assist labor organizations, to provide for mandatory injunctions for unfair labor practices during organizing efforts, and for other purposes. NSBA opposed. S. 574 - Plain Writing Act of 2009 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. S. 725 - Equity for Our Nations Self-Employed Act of 2009 The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. S. 904 Fair Pay Act To amend the Fair Labor Standards Act of 1938 to prohibit discrimination in the payment of wages on account of sex, race, or national origin, and for other purposes. NSBA is monitoring this legislation. S. 988 SIMPLE Cafeteria Plan Act of 2009 Bill would update the tax code to allow small business employees to purchase employer-provided health insurance with pre-tax dollars. It also strengthens current law for all cafeteria plans by expanding dependent flexible spending accounts (DCFSA) and including coverage for long-term care benefits. NSBA has not taken a position on the legislation. S. 1152 Healthy Families Act Requires certain employers, who employ 15 or more employees for each working day during 20 or more workweeks a year, to permit each employee to earn at least one hour of paid sick time for every 30 hours worked. NSBA opposed. S. 1233 SBIR/STTR Reauthorization Act of 2009 Bill would reauthorize and improve the SBIR and STTR programs. NSBA supported. S. 1615 Next Step for Main Street Credit Availability Act of 2009 Bill would amend the Small Business Act and the Small Business Investment Act of 1958 to stop the small business credit crunch, and for other purposes. NSBA supported. S. 1617 The Investments for Manufacturing Progress and Clean Technology (IMPACT) Act Bill would require the Secretary of Commerce to establish a program for the award of grants to states to establish revolving loan funds for small and medium-sized manufacturers to improve energy efficiency and produce clean energy technology. NSBA supported. S. 1754 - Home Office Deduction Simplification Act of 2009 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. S. 2784 Carper-Voinovich Estate Tax Proposal Bill would freeze the estate tax at the 2009 levelsany estate above $7 million per couple or $3.5 million per individual would be taxed at a 45 percent rate. NSBA supports permanent reform of the estate tax. S. 2919 The Small Business Lending Enhancement Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities. NSBA supported. S. 3018 Bipartisan Tax Fairness and Simplification Act of 2010 A comprehensive tax reform legislation with provisions consolidating tax brackets for individuals and businesses while at the same time lowering federal tax obligations, in part through a single, flat 24 percent corporate rate. NSBA supported. S. 3024 Job Impact Analysis Act of 2010 Bill to ensure that the creation of jobs by small businesses is considered during the Federal legislative and rulemaking process. NSBA supported. S. 3029 The Startup Visa Act Bill would establish an employment-based immigrant visa for alien entrepreneurs who have received significant capital from investors to establish a business in the United States. NSBA supported. S. 3089 Small Business Patent Data Collection Act of 2010 Bill would require a study and report by the Office of Advocacy of the Small Business Administration regarding the effects of proposed changes in patent law. NSBA opposed. S. 3254 Employee Misclassification Prevention Act of 2010 To amend the Fair Labor Standards Act of 1938 to require persons to keep records of non-employees who perform labor or services for remuneration and to provide a special penalty for persons who misclassify employees as non-employees, and for other purposes. NSBA opposed. S.3533 Responsible Estate Tax Act The bill will permanently fix the estate tax by combining the 2009 exemption levels with progressive rates for larger estates, including a new billionaires surtax. NSBA supports permanent reform of the estate tax. S. 3578 - Small Business Paperwork Mandate Elimination Act Repeal section 9006 of the Patient Protection and Affordable Care Act (PPACA) that requires any business that purchases more than $600 of goods or services from another business to submit a 1099 form to the Internal Revenue Service (IRS). NSBA supported. S. 3772 Paycheck Fairness Act To amend the Fair Labor Standards Act of 1938 to provide more effective remedies to victims of discrimination in the payment of wages on the basis of sex, and for other purposes. NSBA is opposed. S. 3783 Information Reporting Modernization Act of 2010 Bill amends the Internal Revenue Code to increase from $600 to $5,000 the threshold amount for reporting to the Internal Revenue Service (IRS) payments made to corporations. It also adjusts such increased amount for inflation, beginning after 2012. NSBA is monitoring this legislation. S. 3793 The Job Creation and Tax Cuts Act Bill would extend expired business and individual tax provisions including the research and development tax credit, through the end of 2010. NSBA supported. S. 3932 Comprehensive Immigration Reform Act of 2010 A bill to provide comprehensive immigration reform, and for other purposes. NSBA is monitoring this legislation. S. 3946 Small Business Paperwork Relief Act Bill would undo a key revenue raiser used in two bills signed into law during 2010the Patient Protection and Affordable Care Act and the Small Business Jobs Act. Including the 1099 provision requiring businesses that purchase more than $600 of goods or services from another business to submit two 1099 formsone to the IRS and one to the service or goods provider. NSBA supported. S. 3958 Empowering States to Innovate Act of 2010 To allow an earlier start for State health care coverage innovation waivers under the Patient Protection and Affordable Care Act. NSBA supported. S. 4757 Health Insurance Rate Authority Act of 2010 To provide for the establishment of a Health Insurance Rate Authority to establish limits on premium rating, and for other purposes. NSBA is monitoring this legislation. Third-Party Comments on Patient Protection and Affordable Care Act NSBA filed comments with the National Association of Insurance Commissioners, charged with providing advice and consultation to the Department of Health and Human Resources, on the development of American Health Benefits Exchanges. Third-Party Comments on Patient Protection and Affordable Care Act NSBA filed comments with the Institute of Medicine, charged with providing advice and consultation to the Department of Health and Human Resources, on the defining of essential health benefits in qualified health plans required under PPACA.

Client expense: $55,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Please see addendum. H.R. 1479, Community Reinvestment Modernization Act, all provisions Issues related to Interchange Fees Issues related to corporate credit unions Issues related to premium assessments by the National Credit Union Share Insurance Fund H.R. 2382, the Credit Card Interchange Fees Act, all provisions Issues related to Fannie Mae and Freddie Mac Issues related to proposed rules on home-equity lines of credit Issues related to the implementation of section 106 of the Credit Card Accountability, Responsibility and Disclosure Act (CARD Act) H.R. 2695, the Credit Card Fair Fee Act, all provisions S. 1212, the Credit Card Fair Fee Act, all provisions H.R. 3380, the Promoting Lending to America's Small Business Act, all provisions S. 2919, Small Business Lending Enhancement Act of 2009, all provisions H.R. 4376, the Freedom from Discrimination in Credit Act, all provisions H.R. 4851, the Continuing Extension Act, Section 7, related to the National Flood Insurance Program H.R. 4936, the Faster Access and Shorter Transaction Time for Checks Act, all provisions H.R. 5569, a bill to extend the National Flood Insurance Program until September 30, 2010, all provisions H.R. 5297, the Small Business Lending Fund Act, all provisions Senate Amendment 4443, Senate Amendment 4534, Senate Amendment 4609 to H.R. 5297, increasing the credit union member business lending cap, all provisions H.R. 5302, the State Small Business Credit Initiative Act, all provisions H.R. 5114, the Flood Insurance Reform Priorities Act of 2010, all provisions H.R. 2221, the Data Accountability and Trust Act of 2010, all provisions S. 3677, Financial Services and General Government Appropriation Act for FY 2011, provisions related to the interchange rule charged to federal agencies. Collins Amendment to S. 3677, related to Interchange H.R. 5816, the Commercial Real Estate Stabilization Act, all provisions H.R. 4790, the Shareholder Protection Act, all provisions Issues related to the fidiciary duties at credit unions Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to NCUA's Corporate Stabilization Plan Issues related to the Community Depository Institution Advisory Council Issues related to the implementation of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act (PL 111-517) S. 4036, a bill to clarify the National Credit Union Administration authority to make stabilization fund expenditures without borrowing from the Treasury, all provisions. H.R. 6398, to require the Federal Deposit Insurance Corporation to fully insure interest on Lawyer Trust Accounts, all provisions. Issues related to the National Credit Union Share Insurance Fund Coverage of Interest on Lawyer Trust Accounts Issues related to the establishment of the Consumer Financial Protection Bureau

Client expense: $1,064,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Vice President of the United States, SENATE, Small Business Administration (SBA), Treasury, Dept of

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

Client expense: $4,760,000 · Firm income: Not reported

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

HR 3380 Promoting Lending to America's Small Businesses Act of 2009 HR 4173 Dodd-Frank Wall Street Reform and Consumer Protection Act HR 5297 Small Business Lending Fund Act of 2010 HR 5297 Small Business Jobs Act of 2010 HR 5368 FDIC Coverage of Interest on Lawyers Trust Accounts Amortization of Losses on Commercial Real Estate Loans Bank Capital Rules Bank Examinations Communities First Act Consumer Financial Protection Bureau Consumer Protection for Financial Products and Services Credit Card/Debit Card Interchange Fees Credit Union Business Lending Powers Credit Union Tax Exemption Deposit Insurance Assessment Base Deposit Insurance Coverage Limits Deposit Insurance Premiums Derivatives Regulation FDIC Transaction Account Guarantee Program Federal Home Loan Banks Federal Reserve Interchange Regulation FHA Loan Programs Financial Regulatory Reform Foreclosure Mitigation Housing Government Sponsored Enterprises Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act Management of Deposit Insurance Fund Morgage Lending Disclosures (RESPA/TILA) Mortgage Lending Reform Nomination of Joseph Smith for Appointment as Director, Federal Housing Finance Agency Obama Administration $30 Billion Small Business Lending Fund Overdraft Protection Guidelines Qualified Residential Mortgages Regulation Z, Establishment of Escrow, HOEPA Loans, Higher Priced Loans Regulatory Relief for Community Banks Relief for Preferred Shareholders of Government Sponsored Enterprises Small Business Lending Fund Implementation Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority Trust-preferred Securities as Bank Capital

Client expense: $960,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (proposals regarding the applicability of Truth in Lending Act provisions to small-business credit cards). S. 2919, the Small Business Lending Enhancement Act of 2009 (all provisions regarding credit union business lending limits). H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions to regulate interchange rates) H.R. 3380, the Promoting Lending to Americas Small Businesses Act of 2009 (provisions to increase credit union business lending limits) H.R. 3808, the Interstate Recognition of Notarizations Act of 2010 (all provisions) H.R. 4173/S. 3217, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4884, the United States Covered Bond Act of 2010 (all provisions) H.R. 5623, the Homebuyer Assistance and Improvement Act of 2010 (all provisions) H.R. 5816, the Commercial Real Estate Stabilization Act of 2010 (all provisions) H.R. 5823, the United States Covered Bond Act of 2010 (all provisions) H.R. 5872, General and Special Risk Insurance Funds Availability Act of 2010 (all provisions) H.R. 5981, to increase the flexibility of the Secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance H.R. 6219, To amend the Small Business Jobs Act of 2010 to enhance the provisions of the Small Business Lending Fund Program, to amend the Small Business Investment Act of 1958 to create a Small Business Early-Stage Investment Program, and to create the Small Business Borrower Assistance Program Extension of Veterans Administration Loan Guaranty Program Proposals to Impose a Moratorium on Foreclosures

Client expense: $1,380,000 · Firm income: Not reported

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

H.R. 5297, the Small Business Jobs and Credit Act of 2010 (Entire Bill); S. 4036, to clarify National Credit Union Administration authority to make stabilization fund expenditures without borrowing from Treasury (Entire Bill); H.R. 6431, Protecting Homeowners and Foreclosure Stabilization Act (Entire Bill); H.R. 6398, to require the Federal Deposit Insurance Corporation to fully insure Interest on Lawyers Trust Accounts (Entire Bill); H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection (Entire Bill); S. 3677, the Financial Services and General Government Appropriations Act, 2011 (Section 745); H.R. 3808, the Interstate Recognition of Notarizations Act of 2010 (Entire Bill); H.R. 476, the Housing Fairness Act of 2009 (Entire Bill); S. 2919, the Small Business Lending Enhancement Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); R-1366, interim final rule on the Mortgage Disclosure Improvement Act (MDIA); R-1392, Escrow Requirements for Higher-Priced Mortgage Loans; Proposed Interpretive Rulings and Policy Statement (IRPS) on Chartering Corporate Federal Credit Unions; definition of "low-risk assets"; Cross-Border Electronic Transmittals of Funds (CBETFs); Collateralized Debt Obligations (CDOs); Supplemental Capital; Corporate Stabilization Fund implementation; Credit Union Interest Rate Ceiling; Data Security; IOLTA Coverage Parity for Credit Unions; Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; National Flood Insurance Program (NFIP) Extension; Credit Risk Retention; Asset-Backed Securities; Housing Finance Reform; Real Estate Appraiser Independence; Executive Compensation; Electronic Financial Statement Disclosure Requirements under the E-SIGN Act; Federal Trade Commission Pre-Merger Notification Requirements under the Hart-Scott-Rodino Act of 1976; Community Charter Conversions; Credit Union Governance; Credit Union Broker-Dealer Registration under the Gramm-Leach-Bliley Act of 1999; Risk-Based Capital; Mortgage Loan Originator Registration under the S.A.F.E. Mortgage Licensing Act of 2008; Creation of the Bureau of Consumer Financial Protection.

Client expense: $570,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 5297, the Small Business Jobs and Credit Act of 2010 (Entire Bill); S. 4036, to clarify National Credit Union Administration authority to make stabilization fund expenditures without borrowing from Treasury (Entire Bill); H.R. 6431, Protecting Homeowners and Foreclosure Stabilization Act (Entire Bill); H.R. 6398, to require the Federal Deposit Insurance Corporation to fully insure Interest on Lawyers Trust Accounts (Entire Bill); H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection (Entire Bill); S. 3677, the Financial Services and General Government Appropriations Act, 2011 (Section 745); H.R. 3808, the Interstate Recognition of Notarizations Act of 2010 (Entire Bill); H.R. 476, the Housing Fairness Act of 2009 (Entire Bill); S. 2919, the Small Business Lending Enhancement Act of 2009 (Entire Bill); H.R. 3380, the Promoting Lending to America's Small Businesses Act of 2009 (Entire Bill); H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 (Entire Bill); R-1366, interim final rule on the Mortgage Disclosure Improvement Act (MDIA); R-1392, Escrow Requirements for Higher-Priced Mortgage Loans; Proposed Interpretive Rulings and Policy Statement (IRPS) on Chartering Corporate Federal Credit Unions; definition of "low-risk assets"; Cross-Border Electronic Transmittals of Funds (CBETFs); Collateralized Debt Obligations (CDOs); Supplemental Capital; Corporate Stabilization Fund implementation; Credit Union Interest Rate Ceiling; Data Security; IOLTA Coverage Parity for Credit Unions; Regulatory Compliance with Department of Defense Financial Management Regulations; Reform of Government Sponsored Enterprises; Reform of Credit Rating Agencies; Financial Literacy; Overdraft Fees; Credit Card Interchange Fees; Financial Regulatory Reform; CDFI Appropriations; CLF Appropriations; Regulatory Relief for Financial Institutions; Financial Modernization; Real Estate Settlement Practices Act (RESPA); FY 2010 Budget Resolution; Troubled Asset Relief Program (TARP); Military New Housing Assistance Program; Community Reinvestment Act (CRA); Credit Union Member Business Lending (MBL); Corporate Credit Union issues; Mortgage Bankruptcy Cramdown; SBA Loan Guarantee; Mark to Market Accounting Rules; National Credit Union Share Insurance Fund (NCUSIF); Remittances; National Flood Insurance Program (NFIP) Extension; Credit Risk Retention; Asset-Backed Securities; Housing Finance Reform; Real Estate Appraiser Independence; Executive Compensation; Electronic Financial Statement Disclosure Requirements under the E-SIGN Act; Federal Trade Commission Pre-Merger Notification Requirements under the Hart-Scott-Rodino Act of 1976; Community Charter Conversions; Credit Union Governance; Credit Union Broker-Dealer Registration under the Gramm-Leach-Bliley Act of 1999; Risk-Based Capital; Mortgage Loan Originator Registration under the S.A.F.E. Mortgage Licensing Act of 2008; Creation of the Bureau of Consumer Financial Protection.

Client expense: $570,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 3380, Promoting Lending to America's Small Businesses Act, all provisions; S. 2919, Small Business Lending Enhancement Act, all provisions; H.R. 3126, Consumer Financial Protection Agency Act, all provisions; H.R. 3996, Financial Stability Improvement Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S. 3217, Wall Street Reform Bill; H.R. 2695, H.R. 2382, Credit Card Interchange Fee Act, all provisions; H.R. 2695/S. 1212, Credit Card Fair Fee Act, all provisions; H.R. 5297, Small Business Lending Fund Act; Issues related to Financial Services Regulatory Relief; Issues related to corporate credit unions; Issues related to premium assessments by the National Credit Union Share Insurance Fund; Issues related to alternative capital for credit unions.

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

H.R. 25 - Fair Tax Act of 2009 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supported. H.R. 275 - Withholding Tax Relief Act of 2009 A bill to repeal the mandatory three-percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supported. H.R. 933 Family-Friendly Workplace Act of 2009 To amend the Fair Labor Standards Act of 1938 to provide compensatory time for employees in the private sector. NSBA supported. H.R. 946 - The Plain Language Act of 2009 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. H.R. 1409 - Employee Free Choice Act of 2009 To amend the National Labor Relations Act to establish an efficient system to enable employees to form, join, or assist labor organizations, to provide for mandatory injunctions for unfair labor practices during organizing efforts, and for other purposes. NSBA opposed. H.R. 1470 - Equity for Our Nations Self-Employed Act of 2009 The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. H.R. 2151 Fair Pay Act To amend the Fair Labor Standards Act of 1938 to prohibit discrimination in the payment of wages on account of sex, race, or national origin, and for other purposes. NSBA is monitoring this legislation. H.R. 2460 Healthy Families Act Requires certain employers, who employ 15 or more employees for each working day during 20 or more workweeks a year, to permit each employee to earn at least one hour of paid sick time for every 30 hours worked. NSBA opposed. H.R. 2965 Enhancing Small Business Research and Innovation Act of 2009 Bill would amend and reauthorize the Small Business Act with respect to the Small Business Innovation Research Program and the Small Business Technology Transfer Program. NSBA opposed. H.R. 3032 The Climate Change Center and Clearinghouse Act of 2009 Bill would establish within the SBA an Office of Environment, Energy, and Climate Change and a Climate Change Center and Clearinghouse to provide support and information on climate change to small businesses. NSBA supported. H.R. 3380 Promoting Lending to Americas Small Business Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. NSBA supported. H.R. 3457 Small Business Credit Card Act of 2009 Bill would amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, and for other purposes. NSBA supported. H.R. 3615 - Home Office Tax Deduction Act of 2009 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. H.R. 3905 - The Estate Tax Relief Act of 2009 Bill increases the estate tax exemption level to $5 million, and reduces the rate to 35 percent, both phased-in over ten years. NSBA supported. H.R. 4067 The Business Checking Fairness Act Bill would authorize interest-bearing transaction accounts at depository institutions. NSBA supported. H.R. 4213 Tax Extenders Act of 2009 The bill would extend the research and development tax credit, the deduction for state sales and real property taxes, an exception for Subpart F active financing income, and the deduction allowed for teachers who purchase their own classroom supplies. NSBA supported. H.R. 4302 The Small Business Job Creation and Access to Capital Act Bill would increase loan limits for small business concerns, to provide for low interest refinancing for small business concerns. NSBA supported. H.R.4549 the Small Business Innovation to Job Creation Act of 2010 Bill would authorize the Administrator of the Small Business Administration to make grants to small business concerns to assist the commercialization of research developed with funds received under the second phase of the Small Business Innovation Research Program. NSBA supported. H.R. 4855 Work-Life Balance Awards Act of 2010 To establish the Work-Life Balance Award for employers that have developed and implemented work-life balance policies. NSBA is monitoring this legislation. H.R. 4936 The Faster Access and Shorter Transaction Time for Checks Act Bill would make funds deposited in large depository institutions available more quickly to account holders. NSBA supported. H.R. 5107 Employee Misclassification Prevention Act of 2010 To amend the Fair Labor Standards Act of 1938 to require persons to keep records of non-employees who perform labor or services for remuneration and to provide a special penalty for persons who misclassify employees as non-employees, and for other purposes. NSBA opposed. H.R. 5141 - Small Business Paperwork Mandate Elimination Act Repeal section 9006 of the Patient Protection and Affordable Care Act (PPACA) that requires any business that purchases more than $600 of goods or services from another business to submit a 1099 form to the Internal Revenue Service (IRS). NSBA supported. H.R.5193 The Startup Visa Act Bill would establish an employment-based immigrant visa for alien entrepreneurs who have received significant capital from investors to establish a business in the United States. NSBA supported. H. R. 5249 The Capital Access for Main Street Act of 2010 Bill would provide amortization authority in certain situations, for purposes of capital calculation under the Financial Institutions Examination Council's Consolidated Reports of Condition and Income. NSBA supported. H.R. 5297 The Small Business Jobs Act of 2010 Bill would create a Small Business Lending Fund Program amend the Internal Revenue Code of 1986 to provide tax incentives for small business job creation. NSBA supported. H.R.5411 The Early-Stage Business Investment and Incubation Act Bill would establish an early-stage business investment and incubation grant program at the Department of Commerce. NSBA supported. H.R.5412 - The Small Business Asset Investment and Modernization (AIM) Act Bill would allow qualified small-business owners to refinance their existing debt through Fiscal Year 2012 through the SBA 504 lending program. NSBA supported. H.R. 5486 Small Business Jobs Tax Relief Act of 2010 Bill amends the Internal Revenue Code of 1986 to provide tax incentives for small business job creation. NSBA supported. H.R. 5982 Small Business Tax Relief Act of 2010 Bill repeals the provision of the Patient Protection and Affordable Care Act that amends the Internal Revenue Code to apply to corporations reporting requirements for payments of $600 or more to persons engaged in a trade or business. NSBA supported. S. 292 - Withholding Tax Relief Act of 2009 A bill to repeal the mandatory three-percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supported. S. 296 Fair Tax Act of 2009 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax on the use or consumption in the United States of taxable property or services. It sets the sales tax rate at 23 percent in 2011, with adjustments to the rate in subsequent years. NSBA supported. S. 515 The Patent Reform Act of 2009 Bill would reform U.S. patent system. NSBA opposed. S. 560 Employee Free Choice Act of 2009 To amend the National Labor Relations Act to establish an efficient system to enable employees to form, join, or assist labor organizations, to provide for mandatory injunctions for unfair labor practices during organizing efforts, and for other purposes. NSBA opposed. S. 574 - Plain Writing Act of 2009 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. S. 725 - Equity for Our Nations Self-Employed Act of 2009 The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. S. 904 Fair Pay Act To amend the Fair Labor Standards Act of 1938 to prohibit discrimination in the payment of wages on account of sex, race, or national origin, and for other purposes. NSBA is monitoring this legislation. S. 988 SIMPLE Cafeteria Plan Act of 2009 Bill would update the tax code to allow small business employees to purchase employer-provided health insurance with pre-tax dollars. It also strengthens current law for all cafeteria plans by expanding dependent flexible spending accounts (DCFSA) and including coverage for long-term care benefits. NSBA has not taken a position on the legislation. S. 1152 Healthy Families Act Requires certain employers, who employ 15 or more employees for each working day during 20 or more workweeks a year, to permit each employee to earn at least one hour of paid sick time for every 30 hours worked. NSBA opposed. S. 1233 SBIR/STTR Reauthorization Act of 2009 Bill would reauthorize and improve the SBIR and STTR programs. NSBA supported. S. 1615 Next Step for Main Street Credit Availability Act of 2009 Bill would amend the Small Business Act and the Small Business Investment Act of 1958 to stop the small business credit crunch, and for other purposes. NSBA supported. S. 1617 The Investments for Manufacturing Progress and Clean Technology (IMPACT) Act Bill would require the Secretary of Commerce to establish a program for the award of grants to states to establish revolving loan funds for small and medium-sized manufacturers to improve energy efficiency and produce clean energy technology. NSBA supported. S. 1754 - Home Office Deduction Simplification Act of 2009 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. S. 2784 Carper-Voinovich Estate Tax Proposal Bill would freeze the estate tax at the 2009 levelsany estate above $7 million per couple or $3.5 million per individual would be taxed at a 45 percent rate. NSBA supports permanent reform of the estate tax. S. 2919 The Small Business Lending Enhancement Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities. NSBA supported. S. 3018 Bipartisan Tax Fairness and Simplification Act of 2010 A comprehensive tax reform legislation with provisions consolidating tax brackets for individuals and businesses while at the same time lowering federal tax obligations, in part through a single, flat 24 percent corporate rate. NSBA supported. S. 3024 Job Impact Analysis Act of 2010 Bill to ensure that the creation of jobs by small businesses is considered during the Federal legislative and rulemaking process. NSBA supported. S. 3029 The Startup Visa Act Bill would establish an employment-based immigrant visa for alien entrepreneurs who have received significant capital from investors to establish a business in the United States. NSBA supported. S. 3089 Small Business Patent Data Collection Act of 2010 Bill would require a study and report by the Office of Advocacy of the Small Business Administration regarding the effects of proposed changes in patent law. NSBA opposed. S. 3254 Employee Misclassification Prevention Act of 2010 To amend the Fair Labor Standards Act of 1938 to require persons to keep records of non-employees who perform labor or services for remuneration and to provide a special penalty for persons who misclassify employees as non-employees, and for other purposes. NSBA opposed. S.3533 Responsible Estate Tax Act The bill will permanently fix the estate tax by combining the 2009 exemption levels with progressive rates for larger estates, including a new billionaires surtax. NSBA supports permanent reform of the estate tax. S. 3578 - Small Business Paperwork Mandate Elimination Act Repeal section 9006 of the Patient Protection and Affordable Care Act (PPACA) that requires any business that purchases more than $600 of goods or services from another business to submit a 1099 form to the Internal Revenue Service (IRS). NSBA supported. S. 3772 Paycheck Fairness Act To amend the Fair Labor Standards Act of 1938 to provide more effective remedies to victims of discrimination in the payment of wages on the basis of sex, and for other purposes. NSBA is opposed. S. 3783 Information Reporting Modernization Act of 2010 Bill amends the Internal Revenue Code to increase from $600 to $5,000 the threshold amount for reporting to the Internal Revenue Service (IRS) payments made to corporations. It also adjusts such increased amount for inflation, beginning after 2012. NSBA is monitoring this legislation. S. 3793 The Job Creation and Tax Cuts Act Bill would extend expired business and individual tax provisions including the research and development tax credit, through the end of 2010. NSBA supported. S. 3932 Comprehensive Immigration Reform Act of 2010 A bill to provide comprehensive immigration reform, and for other purposes. NSBA is monitoring this legislation. S. 4757 Health Insurance Rate Authority Act of 2010 To provide for the establishment of a Health Insurance Rate Authority to establish limits on premium rating, and for other purposes. NSBA is monitoring this legislation. Agency Comments on Patient Protection and Affordable Care Act NSBA filed comments with the Department of Health and Human Resources on the interim final rules for grandfathered health plans and the request for comments on American Health Benefits Exchanges.

Client expense: $55,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

HR 703 Bank Liquidity/Deposit Insurance Legislation HR 786 Permanent Increase in Deposit Insurance HR 1728 Mortgage Reform and Anti-Predatory Lending Act HR 2382 Credit Card Interchange Fees Act of 2009 HR 2897 Bank Accountability and Risk Assessment Act of 2009 HR 3126 Consumer Financial Protection Agency Act of 2009 HR 3380 Promoting Lending to America's Small Businesses Act of 2009 HR 3996 Financial Stability Improvement Act HR 4173 Dodd-Frank Wall Street Reform and Consumer Protection Act HR 5297 Small Business Lending Fund Act of 2010 HR 5297 Small Business Jobs Act of 2010 HR 5569 Extend the National Flood Insurance Prog;ram S 3217 Restoring America's Financial Stability Act of 2010 Amortization of Losses on Commercial Real Estate Loans Bank Capital Rules Bank Examinations Community Reinvestment Act Confirmation of Sarah Bloom Raskin for Appointment to Federal Reserve Board of Governors Consumer Financial Protection Bureau Consumer Protection for Financial Products and Services Credit Card/Debit Card Interchange Fees Credit Union Business Lending Powers Deposit Concentration Cap Deposit Insurance Assessment Base Deposit Insurance Coverage Limits Deposit Insurance Premiums Derivatives Regulation FDIC Transaction Account Guarantee Program Federal Home Loan Banks Federal Reserve Supervisory Authority Financial Regulatory Reform Foreclosure Mitigation Gulf Coast Claims and Community Banks Housing Government Sponsored Enterprises Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act Mortgage Lending Reform Obama Administration $30 Billion Small Business Lending Fund Proprietary Trading Regulation Z, Establishment of Escrow, HOEPA Loans, Higher Priced Loans Regulatory Relief for Community Banks Relief for Preferred Shareholders of Government Sponsored Enterprises Sarbanes-Oxley relief for community banks State Bank Lending Limits Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority Trust-preferred Securities as Bank Capital

Client expense: $880,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Please see addendum. H.R. 1456, Consumer Overdraft Protection Practices Act, all provisions H.R. 1479, Community Reinvestment Modernization Act, all provisions H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions Issues related to Interchange Fees Issues related to corporate credit unions Issues related to premium assessments by the National Credit Union Share Insurance Fund H.R. 2382, the Credit Card Interchange Fees Act, all provisions Issues related to Fannie Mae and Freddie Mac Issues related to proposed rules on home-equity lines of credit Issues related to the implementation of section 106 of the Credit Card Accountability, Responsibility and Disclosure Act (CARD Act) H.R. 2695, the Credit Card Fair Fee Act, all provisions S. 1212, the Credit Card Fair Fee Act, all provisions H.R. 3126, the Consumer Financial Protection Agency Act, all provisions H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act, section 4, related to enhanced compensation structure reporting to reduce perverse incentives." H.R. 3380, the Promoting Lending to America's Small Business Act, all provisions S. 1799, Fairness and Accountability in Reviewing Overdraft Coverage Act, all provisions H.R. 3904, Overdraft Protection Act of 2009, all provisions S. 2919, Small Business Lending Enhancement Act of 2009, all provisions H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act and its Senate Companion, S. 3217, the Reforming American Financial Stability Act, and Senate and Conference amendments thereto related to the following provisions: [Section numbers refer to the Conference Report on H.R. 4173, as filed in the House of Representatives on June 29, 2010] Title I, Subtitle A, Section 111. Financial Stability Oversight Council established, provision designating the Chairman of the National Credit Union Administration as a member of the Council. Title I, Subtitle B, Section 165. Enhanced supervision and prudential standards for nonbank financial companies supervised by the Board of Governors and certain bank holding companies, provision exempting the Federal Home Loan Banks. Title III, Subtitle C, Section 335. Permanent increase in deposit and share insurance, provision making permanent the $250,000 limit on insurance coverage of share insured by the National Credit Union Share Insurance Fund. Title III, Subtitle D, Section 343. Insurance of transaction accounts, provision providing parallel insurance coverage for credit union business share accounts with bank business transaction accounts. Title IX, Subtitle D, Section 941. Regulation of credit risk retention, all provisions. Title IX, Subtitle E, Section 956. Enhanced compensation structure reporting, all provisions. Title X, Subtitle B, Section 1021. Purpose, objectives and functions, provisions related to the identification of outdated, unnecessary, and unduly burdensome regulations in order to reduce regulatory burden. Title X, Subtitle B, Section 1022. Rulemaking Authority, provisions related to the standards of rulemaking and consideration given to the impact of Bureau rules on institutions identified in Section 1026 and to the impact of the Bureau rules on rural areas. Title X, Subtitle B, Section 1025. Supervision of very large banks, savings associations, and credit unions, all provisions. Title X, Subtitle B, Section 1026. Other banks, savings associations, and credit unions, all provision. Title X, Subtitle B, Section 1029. Exclusion for auto dealers, all provisions. Title X, Subtitle G, Section 1073. Remittance transfers, all provisions. Title X, Subtitle G, Section 1075. Reasonable fees and rules for payment card transactions, all provisions. Title XII. Improving Access to Mainstream Financial Institutions, all provisions. As well as the following provisions which were not included in the conference report: Title X, Subtitle G, Section 1071. Collection of Deposit Account Data. (as numbered in S. 3217, as introduced). Title XVI. Financial Crisis Assessment and Fund. All Provision. (as number in H.R. 4317, as approved by the Conference Committee on June 25, 2010). Senate Amendment 3812 to S. 3217, related to limits on ATM fees. H.R. 4376, the Freedom from Discrimination in Credit Act, all provisions Issues related to the Troubled Asset Relief Program Issues related to the fiduciary duties at credit unions H.R. 4851, the Continuing Extension Act, Section 7, related to the National Flood Insurance Program H.R. 4936, the Faster Access and Shorter Transaction Time for Checks Act, all provisions H.R. 5569, a bill to extend the National Flood Insurance Program until September 30, 2010, all provisions H.R. 5297, the Small Business Lending Fund Act, all provisions Senate Amendment 4443, Senate Amendment 4534, Senate Amendment 4609 to H.R. 5297, increasing the credit union member business lending cap, all provisions H.R. 5302, the State Small Business Credit Initiative Act, all provisions H.R. 5114, the Flood Insurance Reform Priorities Act of 2010, all provisions H.R. 2221, the Data Accountability and Trust Act of 2010, all provisions S. 3677, Financial Services and General Government Appropriation Act for FY 2011, provisions related to the interchange rule charged to federal agencies. Collins Amendment to S. 3677, related to Interchange H.R. 5816, the Commercial Real Estate Stabilization Act, all provisions H.R. 4790, the Shareholder Protection Act, all provisions Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to NCUA's Corporate Stabilization Plan

Client expense: $815,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Vice President of the United States, SENATE, Small Business Administration (SBA), Treasury, Dept of

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

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

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

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 3380 - Promoting Lending to America's Small Businesses Act of 2009 - To amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. H.R. 5072 - FHA Reform Act of 2010 - To improve the financial safety and soundness of the FHA mortgage insurance program. H.R. 6256 - Strengthening FHA through Shared Equity Homeownership Act - Would crete a shared equity homeownership program under FHA. H.R. 6260 - Homeowners Equity Protection Act - Would prohibit private transfer fees on real properties, except for certain exclusions. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury, Fannie Mae and Freddie Mac regarding their implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale. C.A.R. commented to Fannie Mae, Freddie Mac and FHFA regarding "Private Transfer Fees." C.A.R. asked them to issue guidelines opposing these fees and refuse to purchase, guarantee or insure mortgages taht have these fees on title. C.A.R. commented to the Federal Housing Finance Agency on their proposed guidelines regarding Private Transfer Fee Covenants. C.A.R. commented to the U.S. Treasury Department on their Request for Public Input on Reform of the Housing Finance System.

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

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

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (proposals regarding the applicability of Truth in Lending Act provisions to small-business credit cards). S. 2919, the Small Business Lending Enhancement Act of 2009 (all provisions regarding credit union business lending limits). H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions to regulate interchange rates) H.R. 3380, the Promoting Lending to Americas Small Businesses Act of 2009 (provisions to increase credit union business lending limits) H.R. 4173/S. 3217, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions) H.R. 4884, the United States Covered Bond Act of 2010 (all provisions) H.R. 5623, the Homebuyer Assistance and Improvement Act of 2010 (all provisions) H.R. 5816, the Commercial Real Estate Stabilization Act of 2010 (all provisions) H.R. 5823, the United States Covered Bond Act of 2010 (all provisions) H.R. 5872, General and Special Risk Insurance Funds Availability Act of 2010 (all provisions) H.R. 5981, to increase the flexibility of the Secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance. H.R. 6219, to amend the Small Business Jobs Act of 2010 to enhance the provisions of the Small Business Lending Fund Program, to amend the Small Business Investment Act of 1958 to create a Small Business Early-Stage Investment Program, and to create the Small Business Borrower Assistance Program. Extension of the Veterans Administration Loan Guaranty Program.

Client expense: $1,450,000 · Firm income: Not reported

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

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

Client expense: $610,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

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

Client expense: $610,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 3380, Promoting Lending to America's Small Businesses Act, all provisions; S. 2919, Small Business Lending Enhancement Act, all provisions; H.R. 3126, Consumer Financial Protection Agency Act, all provisions; H.R. 3996, Financial Stability Improvement Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S. 3217, Wall Street Reform Bill; H.R. 2695, H.R. 2382, Credit Card Interchange Fee Act, all provisions; H.R. 2695/S. 1212, Credit Card Fair Fee Act, all provisions; H.R. 5297, Small Business Lending Fund Act; Issues related to Financial Services Regulatory Relief; Issues related to corporate credit unions; Issues related to premium assessments by the National Credit Union Share Insurance Fund; Issues related to alternative capital for credit unions.

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (proposals regarding the applicability of Truth in Lending Act provisions to small-business credit cards). S. 2919, the Small Business Lending Enhancement Act of 2009 (all provisions regarding credit union business lending limits). H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions to regulate interchange rates). H.R. 3380, the Promoting Lending to Americas Small Businesses Act of 2009 (provisions to increase credit union business lending limits). H.R. 4173/S. 3217, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions). H.R. 4884, the United States Covered Bond Act of 2010 (all provisions). Extension of Veterans Administration Loan Guaranty Program.

Client expense: $2,360,000 · Firm income: Not reported

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

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 2886, the Banking Integrity Act of 2009 S. 2919, the Small Business Lending Enhancement Act of 2009 (all provisions regarding credit union business lending limits) H.R. 1479, the Community Reinvestment Modernization Act (all provisions) H.R. 3380, the Promoting Lending to Americas Small Businesses Act of 2009 (provisions to increase credit union business lending limits) H.R. 4375, the Glass-Steagall Restoration Act H.R. 4377, the Return to Prudent Banking Act of 2009 H.R. 4461, the Banking Integrity Act of 2010 H.R. 4884, the United States Covered Bond Act of 2010 (all provisions) Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation Proposals regarding regulation of the commercial real estate (CRE) market

Client expense: $1,850,000 · Firm income: Not reported

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

H.R. 25 - Fair Tax Act of 2009 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supported. H.R. 275 - Withholding Tax Relief Act of 2009 A bill to repeal the mandatory three-percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supported. H.R. 627The Credit CARD Act of 2009 Bill would amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan. NSBA supported. H.R. 933 Family-Friendly Workplace Act of 2009 To amend the Fair Labor Standards Act of 1938 to provide compensatory time for employees in the private sector. NSBA supported. H.R. 946 - The Plain Language Act of 2009 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. H.R. 1409 - Employee Free Choice Act of 2009 To amend the National Labor Relations Act to establish an efficient system to enable employees to form, join, or assist labor organizations, to provide for mandatory injunctions for unfair labor practices during organizing efforts, and for other purposes. NSBA opposed. H.R. 1470 - Equity for Our Nations Self-Employed Act of 2009 The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. H.R. 2151 Fair Pay Act To amend the Fair Labor Standards Act of 1938 to prohibit discrimination in the payment of wages on account of sex, race, or national origin, and for other purposes. NSBA is monitoring this legislation. H.R. 2382 Credit Card Interchange Fees Act Bill would amend the Truth in Lending Act to prohibit unfair practices in electronic payment system networks, and for other purposes. NSBA supported. H.R. 2460 Healthy Families Act Requires certain employers, who employ 15 or more employees for each working day during 20 or more workweeks a year, to permit each employee to earn at least one hour of paid sick time for every 30 hours worked. NSBA opposed. H.R. 2910 S Corporation Modernization Act of 2009 To provide permanent relief, the bill would allow S corporations to liquidate unproductive assets after seven yearsfreeing up capital to be used to grow the business and create jobs. NSBA supported. H.R. 2965 Enhancing Small Business Research and Innovation Act of 2009 Bill would amend and reauthorize the Small Business Act with respect to the Small Business Innovation Research Program and the Small Business Technology Transfer Program. NSBA opposed. H.R. 3032 The Climate Change Center and Clearinghouse Act of 2009 Bill would establish within the SBA an Office of Environment, Energy, and Climate Change and a Climate Change Center and Clearinghouse to provide support and information on climate change to small businesses. NSBA supported. H.R. 3380 - Promoting Lending to America's Small Business Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. NSBA supported. H.R. 3457 Small Business Credit Card Act of 2009 Bill would amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, and for other purposes. NSBA supported. H.R. 3615 - Home Office Tax Deduction Act of 2009 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. H.R. 3639 - Expedited CARD Reform for Consumers Act of 2009 Bill would amend the Credit CARD Act of 2009 to establish an earlier effective date for various consumer protections, and for other purposes. NSBA supported. H.R. 3721 Protecting Older Workers Against Discrimination Act The bill amends the Age Discrimination in Employment Act of 1967 to clarify the appropriate standard of proof. NSBA is monitoring. H.R. 3905 The Estate Tax Relief Act of 2009 Bill increases the estate tax exemption level to $5 million, and reduces the rate to 35 percent, both phased-in over ten years. NSBA supported. H.R. 4067 The Business Checking Fairness Act Bill would authorize interest-bearing transaction accounts at depository institutions. NSBA supported. H.R. 4213 Tax Extenders Act of 2009 The bill would extend the research and development tax credit, the deduction for state sales and real property taxes, an exception for Subpart F active financing income, and the deduction allowed for teachers who purchase their own classroom supplies. NSBA supported. H.R. 4302 The Small Business Job Creation and Access to Capital Act Bill would increase loan limits for small business concerns, to provide for low interest refinancing for small business concerns. NSBA supported. H.R. 4321 Comprehensive Immigration Reform ASAP Act of 2009 A bill to provide for comprehensive immigration reform by providing a path the citizenship for non-documented individuals through the establishment of a set of criteria. In addition, the bill addresses border security and employee legality. NSBA has advocated for provisions that would protect small businesses against overly burdensome regulations resulting from mandates on small businesses. NSBA continues to monitor developments and advocate with staff the potential for unintended consequences resulting from immigration legislation to small businesses. H.R.4549 the Small Business Innovation to Job Creation Act of 2010 Bill would authorize the Administrator of the Small Business Administration to make grants to small business concerns to assist the commercialization of research developed with funds received under the second phase of the Small Business Innovation Research Program. NSBA supported. H.R. 4855 Work-Life Balance Awards Act of 2010 To establish the Work-Life Balance Award for employers that have developed and implemented work-life balance policies. NSBA is monitoring this legislation. H.R. 5107 - Employee Misclassification Prevention Act of 2010 To amend the Fair Labor Standards Act of 1938 to require persons to keep records of non-employees who perform labor or services for remuneration and to provide a special penalty for persons who misclassify employees as non-employees, and for other purposes. NSBA opposed. H.R. 5141 - Small Business Paperwork Mandate Elimination Act Repeals section 9006 of the Patient Protection and Affordable Care Act (PPACA) that requires any business that purchases more than $600 of goods or services from another business to submit a 1099 form to the Internal Revenue Service (IRS). NSBA supported. H.R. 5297 The Small Business Jobs Act of 2010 Bill would create a Small Business Lending Fund Program amend the Internal Revenue Code of 1986 to provide tax incentives for small business job creation. NSBA supported. H.R. 5486 Small Business Jobs Tax Relief Act of 2010 Bill amends the Internal Revenue Code of 1986 to provide tax incentives for small business job creation. NSBA supported. S. 182 Paycheck Fairness Act To amend the Fair Labor Standards Act of 1938 to provide more effective remedies to victims of discrimination in the payment of wages on the basis of sex, and for other purposes. NSBA is monitoring this legislation. S. 292 - Withholding Tax Relief Act of 2009 A bill to repeal the mandatory three-percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supported. S. 296 Fair Tax Act of 2009 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax on the use or consumption in the United States of taxable property or services. It sets the sales tax rate at 23 percent in 2011, with adjustments to the rate in subsequent years. NSBA supported. S. 515 The Patent Reform Act of 2009 Bill would reform U.S. patent system. NSBA opposed. S. 560 Employee Free Choice Act of 2009 To amend the National Labor Relations Act to establish an efficient system to enable employees to form, join, or assist labor organizations, to provide for mandatory injunctions for unfair labor practices during organizing efforts, and for other purposes. NSBA opposed. S. 574 - Plain Writing Act of 2009 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. S. 725 - Equity for Our Nations Self-Employed Act of 2009 The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. S. 904 Fair Pay Act To amend the Fair Labor Standards Act of 1938 to prohibit discrimination in the payment of wages on account of sex, race, or national origin, and for other purposes. NSBA is monitoring this legislation. S. 988 SIMPLE Cafeteria Plan Act of 2009 Bill would update the tax code to allow small business employees to purchase employer-provided health insurance with pre-tax dollars. It also strengthens current law for all cafeteria plans by expanding dependent flexible spending accounts (DCFSA) and including coverage for long-term care benefits. NSBA has not taken a position on the legislation. S. 996 S Corporation Modernization Act of 2009 To provide permanent relief, the bill would allow S corporations to liquidate unproductive assets after seven yearsfreeing up capital to be used to grow the business and create jobs. NSBA supported. S. 1152 Healthy Families Act Requires certain employers, who employ 15 or more employees for each working day during 20 or more workweeks a year, to permit each employee to earn at least one hour of paid sick time for every 30 hours worked. NSBA opposed. S. 1233 SBIR/STTR Reauthorization Act of 2009 Bill would reauthorize and improve the SBIR and STTR programs. NSBA supported. S. 1615 Next Step for Main Street Credit Availability Act of 2009 Bill would amend the Small Business Act and the Small Business Investment Act of 1958 to stop the small business credit crunch, and for other purposes. NSBA supported. S. 1617 The Investments for Manufacturing Progress and Clean Technology (IMPACT) Act Bill would require the Secretary of Commerce to establish a program for the award of grants to states to establish revolving loan funds for small and medium-sized manufacturers to improve energy efficiency and produce clean energy technology. NSBA supported. S. 1754 - Home Office Deduction Simplification Act of 2009 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. S. 1756 Protecting Older Workers Against Discrimination Act To amend the Age Discrimination in Employment Act of 1967 to clarify the appropriate standard of proof. NSBA is monitoring. S. 1832 Small Business Access to Capital Act of 2009 Bill would increase loan limits for small business concerns, provide for low interest refinancing for small business concerns, and for other purposes. NSBA supported. S. 2784 Carper-Voinovich Estate Tax Proposal Bill would freeze the estate tax at the 2009 levelsany estate above $7 million per couple or $3.5 million per individual would be taxed at a 45 percent rate. NSBA supports permanent reform of the estate tax. S. 2869 The Small Business Job Creation and Access to Capital Act Bill would increase loan limits for small business concerns, to provide for low interest refinancing for small business concerns. NSBA supported. S. 2919 The Small Business Lending Enhancement Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities. NSBA supported. S. 3018 Bipartisan Tax Fairness and Simplification Act of 2010 A comprehensive tax reform legislation with provisions consolidating tax brackets for individuals and businesses while at the same time lowering federal tax obligations, in part through a single, flat 24 percent corporate rate. NSBA supported. S. 3024 Job Impact Analysis Act of 2010 Bill to ensure that the creation of jobs by small businesses is considered during the Federal legislative and rulemaking process. NSBA supported. S. 3089 Small Business Patent Data Collection Act of 2010 Bill would require a study and report by the Office of Advocacy of the Small Business Administration regarding the effects of proposed changes in patent law. NSBA opposed. S. 3254 Employee Misclassification Prevention Act of 2010 To amend the Fair Labor Standards Act of 1938 to require persons to keep records of non-employees who perform labor or services for remuneration and to provide a special penalty for persons who misclassify employees as non-employees, and for other purposes. NSBA opposed. S.3533 Responsible Estate Tax Act The bill will permanently fix the estate tax by combining the 2009 exemption levels with progressive rates for larger estates, including a new billionaires surtax. NSBA supports permanent reform of the estate tax. S. 3578 - Small Business Paperwork Mandate Elimination Act Repeals section 9006 of the Patient Protection and Affordable Care Act (PPACA) that requires any business that purchases more than $600 of goods or services from another business to submit a 1099 form to the Internal Revenue Service (IRS). NSBA supported. S. 4757 Health Insurance Rate Authority Act of 2010 To provide for the establishment of a Health Insurance Rate Authority to establish limits on premium rating, and for other purposes. NSBA is monitoring this legislation. Issue: Comprehensive Immigration Reform A general outline for comprehensive immigration reform was been discussed in the Senate. NSBA has advocated for provisions that would protect small businesses against overly burdensome regulations resulting from mandates on small businesses. NSBA continues to monitor developments and advocate with staff the potential for unintended consequences resulting from immigration legislation to small businesses. Agency Comments on Patient Protection and Affordable Care Act Jointly filed comments were sent to Department of Health and Human Resources Secretary Kathleen Sebelius, Department of Labor Secretary Hilda Solis, Department of Treasury Secretary Timothy Geithner. Substantial health plan design changes (e.g., no annual/lifetime limits, bans on cost-sharing of preventative services) have September 2010 effective dates. NSBA requested at least six months to comply with regulations once they are implemented, and a good-faith standard for measuring compliance.

Client expense: $65,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Energy, Dept of, Environmental Protection Agency (EPA), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), White House Office

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (proposals regarding the applicability of Truth in Lending Act provisions to small-business credit cards). S. 2919, the Small Business Lending Enhancement Act of 2009 (all provisions regarding credit union business lending limits). H.R. 2695, the Credit Card Fair Fee Act of 2009 (all provisions to regulate interchange rates). H.R. 3380, the Promoting Lending to Americas Small Businesses Act of 2009 (provisions to increase credit union business lending limits). H.R. 4173/S. 3217, the Wall Street Reform and Consumer Protection Act of 2009 (all provisions). H.R. 4884, the United States Covered Bond Act of 2010 (all provisions). Extension of Veterans Administration Loan Guaranty Program.

Client expense: $2,360,000 · Firm income: Not reported

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

Please see addendum. H.R. 1456, Consumer Overdraft Protection Practices Act, all provisions H.R. 1479, Community Reinvestment Modernization Act, all provisions H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions Issues related to Interchange Fees Issues related to corporate credit unions Issues related to premium assessments by the National Credit Union Share Insurance Fund H.R. 2382, the Credit Card Interchange Fees Act, all provisions Issues related to Fannie Mae and Freddie Mac Issues related to proposed rules on home-equity lines of credit Issues related to the implementation of section 106 of the Credit Card Accountability, Responsibility and Disclosure Act (CARD Act) H.R. 2695, the Credit Card Fair Fee Act, all provisions S. 1212, the Credit Card Fair Fee Act, all provisions H.R. 3126, the Consumer Financial Protection Agency Act, all provisions H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act, section 4, related to enhanced compensation structure reporting to reduce perverse incentives." H.R. 3380, the Promoting Lending to America's Small Business Act, all provisions S. 1799, Fairness and Accountability in Reviewing Overdraft Coverage Act, all provisions H.R. 3904, Overdraft Protection Act of 2009, all provisions S. 2919, Small Business Lending Enhancement Act of 2009, all provisions H.R. 4173, the Dodd-Frank Wall Street Reform and Consumer Protection Act and its Senate Companion, S. 3217, the Reforming American Financial Stability Act, and Senate and Conference amendments thereto related to the following provisions: [Section numbers refer to the Conference Report on H.R. 4173, as filed in the House of Representatives on June 29, 2010] Title I, Subtitle A, Section 111. Financial Stability Oversight Council established, provision designating the Chairman of the National Credit Union Administration as a member of the Council. Title I, Subtitle B, Section 165. Enhanced supervision and prudential standards for nonbank financial companies supervised by the Board of Governors and certain bank holding companies, provision exempting the Federal Home Loan Banks. Title III, Subtitle C, Section 335. Permanent increase in deposit and share insurance, provision making permanent the $250,000 limit on insurance coverage of share insured by the National Credit Union Share Insurance Fund. Title III, Subtitle D, Section 343. Insurance of transaction accounts, provision providing parallel insurance coverage for credit union business share accounts with bank business transaction accounts. Title IX, Subtitle D, Section 941. Regulation of credit risk retention, all provisions. Title IX, Subtitle E, Section 956. Enhanced compensation structure reporting, all provisions. Title X, Subtitle B, Section 1021. Purpose, objectives and functions, provisions related to the identification of outdated, unnecessary, and unduly burdensome regulations in order to reduce regulatory burden. Title X, Subtitle B, Section 1022. Rulemaking Authority, provisions related to the standards of rulemaking and consideration given to the impact of Bureau rules on institutions identified in Section 1026 and to the impact of the Bureau rules on rural areas. Title X, Subtitle B, Section 1025. Supervision of very large banks, savings associations, and credit unions, all provisions. Title X, Subtitle B, Section 1026. Other banks, savings associations, and credit unions, all provision. Title X, Subtitle B, Section 1029. Exclusion for auto dealers, all provisions. Title X, Subtitle G, Section 1073. Remittance transfers, all provisions. Title X, Subtitle G, Section 1075. Reasonable fees and rules for payment card transactions, all provisions. Title XII. Improving Access to Mainstream Financial Institutions, all provisions. As well as the following provisions which were not included in the conference report: Title X, Subtitle G, Section 1071. Collection of Deposit Account Data. (as numbered in S. 3217, as introduced). Title XVI. Financial Crisis Assessment and Fund. All Provision. (as number in H.R. 4317, as approved by the Conference Committee on June 25, 2010). Senate Amendment 3812 to S. 3217, related to limits on ATM fees. H.R. 4376, the Freedom from Discrimination in Credit Act, all provisions S. 2824, the Safe Affordable Loan Act, all provisions H.R. 4694, the Safe Affordable Small Dollar Loan Act, all provisions Issues related to the Troubled Asset Relief Program Issues related to the fiduciary duties at credit unions H.R. 4872, the Reconciliation Act of 2010, Division III, provisions related to the Federal Family Education Loan Program H.R. 4851, the Continuing Extension Act, Section 7, related to the National Flood Insurance Program H.R. 4936, the Faster Access and Shorter Transaction Time for Checks Act, all provisions H.R. 5569, a bill to extend the National Flood Insurance Program until September 30, 2010, all provisions H.R. 1257, a resolution recognizing Financial Literacy Month. H.R. 5297, the Small Business Lending Fund Act, all provisions Senate Amendment 4443 to H.R. 5297, increasing the credit union member business lending cap, all provisions H.R. 5302, the State Small Business Credit Initiative Act, all provisions H.R. 5114, the Flood Insurance Reform Priorities Act of 2010, all provisions H.R. 2221, the Data Accountability and Trust Act of 2010, all provisions

Client expense: $732,020 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Vice President of the United States, SENATE, Small Business Administration (SBA), Treasury, Dept of

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

S 3217 - Wall Street Reform and Accountability Act of 2010; provisions related to interchange fees and others affecting credit unions HR 4173 - Wall Street Reform and Consumer Protection Act of 2009; provisions related to interchange fees and others affecting credit unions HR 5297 - Small Business Lending Fund Act; amendment related to credit union member business lending HR 3380 - Promoting Lending to America's Small Businesses Act of 2009 HR 4849 - Small Business and Infrastructure Jobs Tax Act of 2010

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3380, Promoting Lending to America's Small Businesses Act, all provisions; S. 2919, Small Business Lending Enhancement Act, all provisions; H.R. 3126, Consumer Financial Protection Agency Act, all provisions; H.R. 3996, Financial Stability Improvement Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S. 3217, Wall Street Reform Bill; H.R. 2695, H.R. 2382, Credit Card Interchange Fee Act, all provisions; H.R. 2695/S. 1212, Credit Card Fair Fee Act, all provisions; H.R. 627/S. 414, Credit Card Disclosure, Accountability and Transparency Act, all provisions; H.R. 3606, Credit Card Technical Corrections Act; H.R. 5297, Small Business Lending Fund Act; Issues related to Financial Services Regulatory Relief; Issues related to corporate credit unions; Issues related to premium assessments by the National Credit Union Share Insurance Fund; Issues related to alternative capital for credit unions.

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

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

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

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

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

Client expense: $520,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

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

Client expense: $520,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 3380 - Promoting Lending to America's Small Businesses Act of 2009 - To amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. H.R. 5072 - FHA Reform Act of 2010 - To improve the financial safety and soundness of the FHA mortgage insurance program. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury, Fannie Mae and Freddie Mac regarding their implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale. C.A.R. commented to Fannie Mae, Freddie Mac and FHA regarding "Private Transfer Fees." C.A.R. asked them to issue guidelines opposing these fees and refuse to purchase, guarantee or insure mortgages that have these fees on title.

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

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

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 2886, the Banking Integrity Act of 2009 S. 2919, the Small Business Lending Enhancement Act of 2009 (all provisions regarding credit union business lending limits) H.R. 1479, the Community Reinvestment Modernization Act (all provisions) H.R. 3380, the Promoting Lending to Americas Small Businesses Act of 2009 (provisions to increase credit union business lending limits) H.R. 4375, the Glass-Steagall Restoration Act H.R. 4377, the Return to Prudent Banking Act of 2009 H.R. 4461, the Banking Integrity Act of 2010 H.R. 4884, the United States Covered Bond Act of 2010 (all provisions) Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation Proposals regarding regulation of the commercial real estate (CRE) market

Client expense: $1,850,000 · Firm income: Not reported

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

H.R. 25 - Fair Tax Act of 2009 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supported. H.R. 275 - Withholding Tax Relief Act of 2009 A bill to repeal the mandatory three-percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supported. H.R. 933 Family-Friendly Workplace Act of 2009 To amend the Fair Labor Standards Act of 1938 to provide compensatory time for employees in the private sector. NSBA supported. H.R. 946 - The Plain Language Act of 2009 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. H.R. 1409 - Employee Free Choice Act of 2009 To amend the National Labor Relations Act to establish an efficient system to enable employees to form, join, or assist labor organizations, to provide for mandatory injunctions for unfair labor practices during organizing efforts, and for other purposes. NSBA opposed. H.R. 1470 - Equity for Our Nations Self-Employed Act of 2009 The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. H.R. 2151 Fair Pay Act To amend the Fair Labor Standards Act of 1938 to prohibit discrimination in the payment of wages on account of sex, race, or national origin, and for other purposes. NSBA is monitoring this legislation. H.R. 2382 Credit Card Interchange Fees Act Bill would amend the Truth in Lending Act to prohibit unfair practices in electronic payment system networks, and for other purposes. NSBA supported. H.R. 2460 Healthy Families Act Requires certain employers, who employ 15 or more employees for each working day during 20 or more workweeks a year, to permit each employee to earn at least one hour of paid sick time for every 30 hours worked. NSBA opposed. H.R. 2847 Hiring Incentives to Restore Employment (HIRE) Act Legislation that includes $17.6 billion in tax cuts aimed at encouraging businesses to hire new workers. NSBA supported. H.R. 2910 S Corporation Modernization Act of 2009 To provide permanent relief, the bill would allow S corporations to liquidate unproductive assets after seven yearsfreeing up capital to be used to grow the business and create jobs. NSBA supported. H.R. 2965 Enhancing Small Business Research and Innovation Act of 2009 Bill would amend and reauthorize the Small Business Act with respect to the Small Business Innovation Research Program and the Small Business Technology Transfer Program. NSBA opposed. H.R. 3380 Promoting Lending to Americas Small Business Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. NSBA supported. H.R. 3457 Small Business Credit Card Act of 2009 Bill would amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, and for other purposes. NSBA supported. H.R. 3590 Patient Protection and Affordable Care Act Comprehensive health care reform legislation. NSBA opposed. H.R. 3615 - Home Office Tax Deduction Act of 2009 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. H.R. 3639 - Expedited CARD Reform for Consumers Act of 2009 Bill would amend the Credit CARD Act of 2009 to establish an earlier effective date for various consumer protections, and for other purposes. NSBA supported. H.R. 3905 The Estate Tax Relief Act of 2009 Bill increases the estate tax exemption level to $5 million, and reduces the rate to 35 percent, both phased-in over ten years. NSBA supported. H.R. 3991 Emergency Influenza Containment Act To ensure that American workers are able to follow, without financial harm, the recommendations of their employer and public health authorities to stay home when they have symptoms of a contagious disease that may put co-workers, customers, or the public at risk. NSBA opposed. H.R. 4067 The Business Checking Fairness Act Bill would authorize interest-bearing transaction accounts at depository institutions. NSBA supported. H.R. 4154 The Permanent Estate Tax Relief for Families, Farmers and Small Businesses Bill of 2009 Bill permanently extends the top federal estate tax rate of 45 percent with a $3.5 million exclusion. NSBA supports permanent reform of the estate tax. H.R. 4213 Tax Extenders Act of 2009 The bill would extend the research and development tax credit, the deduction for state sales and real property taxes, an exception for Subpart F active financing income, and the deduction allowed for teachers who purchase their own classroom supplies. NSBA supported. H.R. 4302 The Small Business Job Creation and Access to Capital Act Bill would increase loan limits for small business concerns, to provide for low interest refinancing for small business concerns. NSBA supported. H.R. 4321 Comprehensive Immigration Reform ASAP Act of 2009 A bill to provide for comprehensive immigration reform by providing a path the citizenship for non-documented individuals through the establishment of a set of criteria. In addition, the bill addresses border security and employee legality. NSBA has advocated for provisions that would protect small businesses against overly burdensome regulations resulting from mandates on small businesses. NSBA continues to monitor developments and advocate with staff the potential for unintended consequences resulting from immigration legislation to small businesses. H.R.4549 the Small Business Innovation to Job Creation Act of 2010 Bill would authorize the Administrator of the Small Business Administration to make grants to small business concerns to assist the commercialization of research developed with funds received under the second phase of the Small Business Innovation Research Program. NSBA supported. H.R. 4855 - Work-Life Balance Awards Act of 2010 To establish the Work-Life Balance Award for employers that have developed and implemented work-life balance policies. NSBA is monitoring this legislation. H.R. 4872 Health Care and Education Reconciliation Act of 2010 Reconciliation language amending H.R. 3590. NSBA opposed. H.R. 4849 Small Business and Infrastructure Jobs Tax Act of 2010 The bill includes a 100 percent exclusion of capital gains taxes for small businesses; an extension of Build America Bonds; and a provision allowing the new markets tax credit to be claimed against the alternative minimum tax. NSBA supported. S. 182 Paycheck Fairness Act To amend the Fair Labor Standards Act of 1938 to provide more effective remedies to victims of discrimination in the payment of wages on the basis of sex, and for other purposes. NSBA is monitoring this legislation. S. 292 - Withholding Tax Relief Act of 2009 A bill to repeal the mandatory three-percent withholding requirement on all payments for goods and services made to federal, state and local contractors. NSBA supported. S. 515 The Patent Reform Act of 2009 Bill would reform U.S. patent system. NSBA opposed. S. 560 Employee Free Choice Act of 2009 To amend the National Labor Relations Act to establish an efficient system to enable employees to form, join, or assist labor organizations, to provide for mandatory injunctions for unfair labor practices during organizing efforts, and for other purposes. NSBA opposed. S. 574 - Plain Writing Act of 2009 Bill would establish plain language as the standard style for Government documents issued to the public, and for other purposes. NSBA supported. S. 725 - Equity for Our Nations Self-Employed Act of 2009 The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. S. 904 Fair Pay Act To amend the Fair Labor Standards Act of 1938 to prohibit discrimination in the payment of wages on account of sex, race, or national origin, and for other purposes. NSBA is monitoring this legislation. S. 996 S Corporation Modernization Act of 2009 To provide permanent relief, the bill would allow S corporations to liquidate unproductive assets after seven yearsfreeing up capital to be used to grow the business and create jobs. NSBA supported. S. 988 SIMPLE Cafeteria Plan Act of 2009 Bill would update the tax code to allow small business employees to purchase employer-provided health insurance with pre-tax dollars. It also strengthens current law for all cafeteria plans by expanding dependent flexible spending accounts (DCFSA) and including coverage for long-term care benefits. NSBA is monitoring this legislation. S. 1152 Healthy Families Act Requires certain employers, who employ 15 or more employees for each working day during 20 or more workweeks a year, to permit each employee to earn at least one hour of paid sick time for every 30 hours worked. NSBA opposed. S. 1233 SBIR/STTR Reauthorization Act of 2009 Bill would reauthorize and improve the SBIR and STTR programs. NSBA supported. S. 1615 Next Step for Main Street Credit Availability Act of 2009 Bill would amend the Small Business Act and the Small Business Investment Act of 1958 to stop the small business credit crunch, and for other purposes. NSBA supported. S. 1617 The Investments for Manufacturing Progress and Clean Technology (IMPACT) Act Bill would require the Secretary of Commerce to establish a program for the award of grants to states to establish revolving loan funds for small and medium-sized manufacturers to improve energy efficiency and produce clean energy technology. NSBA supported. S. 1754 - Home Office Deduction Simplification Act of 2009 It amends the Internal Revenue Code to allow a taxpayer who uses a residence to conduct a trade or business a standard tax deduction equal to the lesser of $1,500 or the taxpayer's gross trade or business income derived from the business use of such residence. NSBA supported. S. 1832 Small Business Access to Capital Act of 2009 Bill would increase loan limits for small business concerns, provide for low interest refinancing for small business concerns, and for other purposes. NSBA supported. S. 2784 Carper-Voinovich Estate Tax Proposal Bill would freeze the estate tax at the 2009 levelsany estate above $7 million per couple or $3.5 million per individual would be taxed at a 45 percent rate. NSBA supports permanent reform of the estate tax. S. 2869 The Small Business Job Creation and Access to Capital Act Bill would increase loan limits for small business concerns, to provide for low interest refinancing for small business concerns. NSBA supported. S. 2919 The Small Business Lending Enhancement Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities. NSBA supported. S. 3018 Bipartisan Tax Fairness and Simplification Act of 2010 A comprehensive tax reform legislation with provisions consolidating tax brackets for individuals and businesses while at the same time lowering federal tax obligations, in part through a single, flat 24 percent corporate rate. NSBA supported. S. 3024 Job Impact Analysis Act of 2010 Bill to ensure that the creation of jobs by small businesses is considered during the Federal legislative and rulemaking process. NSBA supported. S. 3089 Small Business Patent Data Collection Act of 2010 Bill would require a study and report by the Office of Advocacy of the Small Business Administration regarding the effects of proposed changes in patent law. NSBA opposed. S. 4757 Health Insurance Rate Authority Act of 2010 To provide for the establishment of a Health Insurance Rate Authority to establish limits on premium rating, and for other purposes. NSBA is monitoring this legislation. Issue: Comprehensive Immigration Reform A general outline for comprehensive immigration reform was been discussed in the Senate. NSBA has advocated for provisions that would protect small businesses against overly burdensome regulations resulting from mandates on small businesses. NSBA continues to monitor developments and advocate with staff the potential for unintended consequences resulting from immigration legislation to small businesses.

Client expense: $75,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

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

Please see addendum. H.R. 1456, Consumer Overdraft Protection Practices Act, all provisions H.R. 1479, Community Reinvestment Modernization Act, all provisions H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act of 2007, all provisions Issues related to Interchange Fees Issues related to corporate credit unions Issues related to premium assessments by the National Credit Union Share Insurance Fund H.R. 2211, the Data Accountability and Trust Act, all provisions H.R. 2382, the Credit Card Interchange Fees Act, all provisions Issues related to Fannie Mae and Freddie Mac Issues related to proposed rules on home-equity lines of credit Issues related to the implementation of section 106 of the Credit Card Accountability, Responsibility and Disclosure Act (CARD Act) H.R. 2695, the Credit Card Fair Fee Act, all provisions S. 1212, the Credit Card Fair Fee Act, all provisions H.R. 3126, the Consumer Financial Protection Agency Act, all provisions S. 500, the Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 566, the Financial Products Safety Commission Act, all provisions H.R. 3639, the Expedited CARD Reform for Consumers Act, all provisions H.R. 3269, the Corporate and Financial Institution Compensation Fairness Act, section 4, related to enhanced compensation structure reporting to reduce perverse incentives." H.R. 3380, the Promoting Lending to America's Small Business Act, all provisions H.R. 4300, Restoring America's Commitment to Consumers Act, all provisions S. 1799, Fairness and Accountability in Reviewing Overdraft Coverage Act, all provisions H.R. 3904, Overdraft Protection Act of 2009, all provisions S. 2919, Small Business Lending Enhancement Act of 2009, all provisions H.R. 4173, Wall Street Reform with Consumer Protection Act, Title I, Subtitle G, related to Enhanced dissolution authority, Title II, section 2004, Title IV, related to the creation of the Consumer Financial Protection Agency, all provisions Restoring American Financial Stability Act of 2010 (bill number not yet assigned) (Senate Banking Committee Print of March 15, 2010),--Title I, Subtitle A, related to the Financial Stability Oversight Council --Title II, Section 210(o), related to Assessments to capitalize the orderly Liquidation Fund --Title IX, Subtitle E, related to Accountability and Executive Compensation, all provisions --Title X, related to the Bureau of Consumer Financial Protection, including: Subtitle B, Section 1021, related to regulatory burden; Section 1023, related to review of Bureau Regulation; Section 1025, related to review of Bureau Regulation; Section 1025, related to the Supervision of Very Large Credit Unions, Subtitle D, Preservation of State Law, all provisions, Subtitle G; Section 1071 related to the Collection of Deposit Account Data Manager's Amendment to the Committee Print of March 15, 2010, including Section 1076, related to Remittance transfers and Title XII, related to Improving Access to Mainstream Financial Institutions, all provisions. H.R. 4376, the Freedom from Discrimination in Credit Act, all provisions S. 2824, the Safe Affordable Loan Act, all provisions H.R. 4694, the Safe Affordable Small Dollar Loan Act, all provisions Issues related to the Troubled Asset Relief Program Issues related to the fiduciary duties at credit unions H.R. 4872, the Reconciliation Act of 2010, Division III, provisions related to the Federal Family Education Loan Program H.R. 4851, the Continuing Extension Act, Section 7, related to the National Flood Insurance Program H.R. 4936, the Faster Access and Shorter Transaction Time for Checks Act, all provisions

Client expense: $673,470 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Vice President of the United States, SENATE, Small Business Administration (SBA), Treasury, Dept of

S. 414, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (all provisions) S. 2886, the Banking Integrity Act of 2009 S. 2919, the Small Business Lending Enhancement Act of 2009 (all provisions regarding credit union business lending limits) H.R. 1479, the Community Reinvestment Modernization Act (all provisions) H.R. 3380, the Promoting Lending to Americas Small Businesses Act of 2009 (provisions to increase credit union business lending limits) H.R. 4375, the Glass-Steagall Restoration Act H.R. 4377, the Return to Prudent Banking Act of 2009 H.R. 4461, the Banking Integrity Act of 2010 H.R. 4884, the United States Covered Bond Act of 2010 (all provisions) Treasury Department Draft Legislation on Credit Default Swaps and Other Over-The-Counter Derivatives (all provisions) The Over-the Counter Derivatives Markets Act of 2009, Draft Legislation Proposals regarding regulation of the commercial real estate (CRE) market

Client expense: $1,800,000 · Firm income: Not reported

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

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

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

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

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

Client expense: $430,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

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

Client expense: $430,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 3380, Promoting Lending to America's Small Businesses Act, all provisions; S. 2919, Small Business Lending Enhancement Act, all provisions; H.R. 1479, Community Reinvestment Modernization Act, all provisions; H.R. 3126, Consumer Financial Protection Agency Act, all provisions; H.R. 3996, Financial Stability Improvement Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S. 3217, Wall Street Reform Bill; H.R. 2695, H.R. 2382, Credit Card Interchange Fee Act, all provisions; H.R. 2695/S. 1212, Credit Card Fair Fee Act, all provisions; H.R. 627/S. 414, Credit Card Disclosure, Accountability and Transparency Act, all provisions; H.R. 3606, Credit Card Technical Corrections Act; Issues related to Financial Services Regulatory Relief; Issues related to corporate credit unions; Issues related to premium assessments by the National Credit Union Share Insurance Fund; Issues related to alternative capital for credit unions.

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

S 2919 -Small Business Lending Enhancement Act of 2009 Restoring American Financial Stability Act of 2010 HR 3380 - Promoting Lending to America's Small Businesses Act of 2009 HR 4849 - Small Business and Infrastructure Jobs Tax Act of 2010 Potential legislation related to creation of jobs; provisions related to credit union member business lending

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

Government targets: HOUSE OF REPRESENTATIVES, Office of the Vice President of the United States, SENATE

Proposed $30 Billion Small Business Lending Fund, community bank access, restrictions and eligibilility requirements Proposed change to banking regulation requiring banks to exclude, for regulatory capital purposes, Allowance for Loan and Lease Losses (ALLL) in excess of 1.25% of Risk Weighted Assets Proposed change in TARP requirements for community banks from proving viability before the addition of capital funds to after the addition of capital funds Bank regulatory enforcement actions and their publication, harsh regulatory examinations, brokered deposit restrictions Too-big-to-fail banks and financial Institutions (TBTF) The reform of FDIC Insurance Assessments Preserving the Dual Banking System and Charter Choice Separating Banking and Commerce, Restoring Glass-Steagal, the proposed Volker Rule to financial reform legislation Proposed legislation regarding 10-Year Loan Loss Amortization New Role for the Federal Reserve Bank, monetary policy and regulator for state-chartered banks Modernization of Regulation and oversight of the Derivatives Market New Provision to Regulation "Z" requiring escrow accounts for "higher-priced" mortgages Proposed legislation to securitize commercial real estate (CRE) loans and securitize seriously delinquent CRE loans and other real estate owned (OREO) Prefunded Systemic Risk Fund at $150B in financial reform legislation Proposal to decrease Risk Weight percentage for debt and mortgage-backed securities (MBS) of Fannie Mae and Freddie Mac and Federal Home Loan Banks (FHLBs) from 20% to 10% for determining Risk Weighted Assets (RWA) in determining bank capital ratios Extension of the Transaction Account Guarantee (TAG) component of the Temporary Liquidity Guarantee Program (TGLP) for an additional twelve months H.R. 3380 and S 2919 - Promoting Lending to America's Small Business Act of 2009 (and-or other legislative vehicles), all provisions including expanision of credit union business lending authority, raising the lending cap to 25%, excluding loans under $250K from the cap "Move your Money" campaign to move deposits from TBTF banks to community banks S 3217 Restoring Financial Stability Act of 2010, all provisions relating to community banks

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Proposed $30 Billion Small Business Lending Fund, community bank access, restrictions and eligibilility requirements Proposed change to banking regulation requiring banks to exclude, for regulatory capital purposes, Allowance for Loan and Lease Losses (ALLL) in excess of 1.25% of Risk Weighted Assets Proposed change in TARP requirements for community banks from proving viability before the addition of capital funds to after the addition of capital funds Bank regulatory enforcement actions and their publication, harsh regulatory examinations, brokered deposit restrictions Too-big-to-fail banks and financial Institutions (TBTF) The reform of FDIC Insurance Assessments Preserving the Dual Banking System and Charter Choice Separating Banking and Commerce, Restoring Glass-Steagal, the proposed Volker Rule to financial reform legislation Proposed legislation regarding 10-Year Loan Loss Amortization New Role for the Federal Reserve Bank, monetary policy and regulator for state-chartered banks Modernization of Regulation and oversight of the Derivatives Market New Provision to Regulation "Z" requiring escrow accounts for "higher-priced" mortgages Proposed legislation to securitize commercial real estate (CRE) loans and securitize seriously delinquent CRE loans and other real estate owned (OREO) Prefunded Systemic Risk Fund at $150B in financial reform legislation Proposal to decrease Risk Weight percentage for debt and mortgage-backed securities (MBS) of Fannie Mae and Freddie Mac and Federal Home Loan Banks (FHLBs) from 20% to 10% for determining Risk Weighted Assets (RWA) in determining bank capital ratios Extension of the Transaction Account Guarantee (TAG) component of the Temporary Liquidity Guarantee Program (TGLP) for an additional twelve months H.R. 3380 and S 2919 - Promoting Lending to America's Small Business Act of 2009 (and-or other legislative vehicles), all provisions including expanision of credit union business lending authority, raising the lending cap to 25%, excluding loans under $250K from the cap "Move your Money" campaign to move deposits from TBTF banks to community banks S 3217 Restoring Financial Stability Act of 2010, all provisions relating to community banks

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

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Legislation: Executive Compensation (H.R.1664, H.R.1575, H.R.1586); Credit Card Legislation (S.414, H.R.627); Interstate Taxation (H.R.1083); Systemic Risk Regulation; Appropriations, including real estate brokerage & FTC & State AG rules (H.R.1105); Credit Union Legislation; Fair Value Accounting; Bankruptcy Cramdown & FDIC Reform (H.R.1106, S.61, S.541, H.R.200); Mortgage Loan Modification; Economic Stimulus (H.R.598, H.R.1); Deposit Insurance Increase (S.896, H.R.786), cont'd. Hope for Homeowners (H.R.787); Mortgage Servicing (H.R.788); TARP (H.R.384, H.J.Res.3); Administration's Regulatory Reform Proposal; TARP Legislation (H.R.1610, H.R.1652, H.R.1656); Usury Ceilings (H.R.1608, H.R.1640, H.R.4300); Financial Literacy (H.R.1645); Pension Legislation (H.R. 1629); Universal Default (H.R. 1637); Interchange Legislation (H.R.2382, H.R.2695); "Bank Accountability and Risk Assessment Act" (H.R.2897); Data Protection (H.R.2221); Mortgage Legislation (H.R.1708); SBA Authorization (H.R.3614); Credit CARD Act effective date (H.R.3639); Student Loans (H.R. 3221), Overdraft Restrictions; Consumer Financial Protection Agency (H.R.3126); Corporate Compensation (H.R.3269); Mandatory Farm Loan Restructuring; FDIC Resolution Authority (S.1540); Credit Union Business Lending (H.R.3380, S.2919); Treasury regulatory restructuring bills (H.R.4173, H.R.3818, H.R. 3817, H.R. 3890, H.R.3126, H.R. 3795); Glass-Steagall Act (S.2886, H.R.475), Tax Extenders (H.R.4213); Estate Tax Extension (H.R.4154); Securities Transaction Tax (H.R.4191); NOL legislation; Credit Card legislation (S.1927, H.R. 3639); Investor Protection Act (H.R. 3817); Small Business Lending (H.R.3854, H.R.4938); Overdraft Protection Act (H.R.3904); Financial Crisis Responsibility Fee; The Volcker Rule (S.3098). Regulation: Overdraft Fees; FRB Regulation E; TARP Program, including CPP, PPIP, TALF, TLGP; TIP; MMIFF; AMLF; CAP; Loan Modification; FDIC Deposit Insurance Premiums; SEC Accounting Issues; Capital Adequacy Requirements; Reg Z (Truth in Lending); Deposit Insurance Assessments; Regulations on Loans to Affiliates; Remote Deposit Capture; Executive Pay Guidelines; Regulation DD (Truth in Savings); Unfair & Deceptive Acts & Practices Regulation; Reserve Requirement (Reg D); Deposit Insurance Regulations; CRA Regulations; Transaction Account Guarantee Program; SBA Regs; Identity Theft and Privacy Rules; MLO regulations; Legacy securities and Legacy Loans Program; Reserve Requirements (Reg D); State Law Preemption; SEC Short-Sales Rules; Privacy (Reg S); IRS Regs (F-BAR); RESPA Regs; Flood Insurance; Credit CARD Act Regulation; Basel Committees Capital & Liquidity Standards; SEC Proxy & Information disclosures; FDIC Accounting Rules; Fed Gift Card Rules; Unlawful Internet Gambling Act Regulations; Fed Overdraft Regs; CRE; Small Business Lending Fund; Guidance on Unbundling Trust Commissions; Payment Systems Reporting Regulations; Financial Literacy.

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

Government targets: Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Small Business Lending HR 3380/S. 2919 CRA HR 1479 Overdraft Restrictions S. 1799/ HR 3904 Interchange Fees HR 2382/HR 2695/ S 1212

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE