Overdraft Protection Act of 2009

Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203). Interchange fees in general. H.R. 2382, Credit Card Interchange Fees Act of 2009. H.R. 3904, Overdraft Protection Act of 2009. S. 1799, FAIR Overdraft Coverage Act. Issues related to the systemic risk designation process.

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

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

Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203). Interchange fees in general. H.R. 2382, Credit Card Interchange Fees Act of 2009. H.R. 3904, Overdraft Protection Act of 2009. S. 1799, FAIR Overdraft Coverage Act. Issues related to the systemic risk designation process.

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

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

H.R. 384 - TARP Reform and Accountablity Act of 2009 H.R. 387 - TARP Accountability Act of 2009 S. 235 - Credit Cardholders Bill of Rights Act of 2009 S. 386 - An Act to improve enforcement of mortgage fraud, securities and commodities fraud, financial institution fraud, and other frauds related to Federal assistance and relief programs, for the recovery of funds lost to these frauds, and for other purposes. S. 566 - A bill to create a Financial Product Safety Commission, to provide consumers with stronger protections and better information in connection with consumer financial products, and to give providers of consumer financial products more regulatory certainty. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. S. 961 - A bill to authorize the regulation of credit default swaps and other swap agreements, and for other purposes. H.R. 3763 - A bill to amend the Fair Credit Reporting Act. H.R. 3639 - To amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 to establish an earlier effective date for various consumer protections and for other purposes. H.R. 3606 - To amend the Truth in Lending Act to make a technical correction to an amendment made by the Credit CARD Act of 2009. H.R. 4173 - Wall Street Reform and Consumer Protection Act of 2009 H.R. 3996 - Financial Stability Improvement Act H.R. 2266 - Reasonable Prudence in Regulation Act H.R. 3904 - Overdraft Protection Act H.R. 3126 - Consumer Financial Protection Agency Act H.R. 2382 - Credit Card Interchange Fees Act of 2009 H.R. 3817 - Potential amendment to the Investor Protectin Act that would roll-back he Supreme Court's Stoneridge decision. No bill number - Section 984 of the discussion draft of the Restoring American Financial Stability Act of 2009 S. 3217 - Restoring American Financial Stability Act of 2010

Client expense: $1,202,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S786: Improving Access to Mainstream Financial Institutions Act of 2009 (to establishing alternative small-dollar lending program to payday loans) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Lending Limitation Act of 2010 (to limit abusive aspects of payday loans) S.AMDT.4311 to HR4213: Franken/Snowe Amendment (to create an Office of the Homeowner Advocate) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modifications for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions, and to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR4300: Restoring America's Commitment to Consumers Act of 2009 (favoring a 36% inclusive interest rate cap) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) HR5942: FFSCC Act of 2010 (to protect existing state laws limiting abusive payday lending practices) House and Senate GSE Bills, not yet introduced (to ensure there is a secondary housing market to serve low- and moderate-income communities) Freedom of Mobility in Banking Act, not yet introduced (to facilitate consumers' ability to change banking accounts, including protection from unfair related fees) Executive branch agencies and issues: Dept. of Treasury -- Consumer Financial Protection Agency, HAMP, GSE reform, Bank On program Federal Trade Commission -- debt settlement, auto financing Banking agencies (Federal Reserve System, FDIC, OCC, OTS) -- testified at hearing on reforms to Community Reinvestment Act HUD -- GSE reform FDIC -- overdraft loans Federal Reserve -- overdraft loans, bank payday loans, mortgage rules, credit card rules, Dodd-Frank implementation NCUA -- overdraft loans and small dollar loans White House Office -- foreclosure prevention

Client expense: $102,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L.111-203). Interchange fees in general. H.R. 2382, Credit Card Interchange Fees Act of 2009. H.R. 3904, Overdraft Protection Act of 2009.S.1799, FAIR Overdraft Coverage Act. Issues related to the systemic risk designation process and issues relating to implementation of the Volcker Rule.

Client expense: $362,540 · Firm income: Not reported

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

Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L.111-203). Interchange fees in general. H.R. 2382, Credit Card Interchange Fees Act of 2009. H.R. 3904, Overdraft Protection Act of 2009.S.1799, FAIR Overdraft Coverage Act. Issues related to the systemic risk designation process and issues relating to implementation of the Volcker Rule.

Client expense: $362,540 · Firm income: Not reported

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

HR 5297 - Small Business Lending Fund Act - Provisions that may provide lending and investment opportunities and whether company qualifies for participation. HR 6398 - Bill to protect the funding stream for legal aid services for the disadvantaged - provisions that modify portions of the Dodd-Frank Act pertaining to certain accounts & provisions expanding FDIC insurance protection. HR 4300 - Restoring America's Commitment to Consumers Act - Provisions that may outline new requirements for our credit card providers. HR 4375 - Glass-Steagall Restoration Act - Provisions prohibiting a depository institution from engaging in the business of insurance and any insurance-related activity and the implications for our business. S 1799/HR 3904 - FAIR Overdraft Coverage Act - Regulations pertaining to marketing and overdraft coverage programs, limits on overdraft fees and ATM transaction requirements. HR 3763 - Amendments to Fair Credit Reporting Act - Review of which companies would be excluded from Red Flag Guidelines.

Client expense: $194,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitored and reviewed legislation and amendments related to overdraft protection provisions including H.R. 1456, H.R. 3904 and S. 235 designed to extend the Truth and Lending Act to overdraft protection programs, as well as H.R. 1214 extending protections to consumers and requiring disclosures.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Vice President of the U.S., 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

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S786: Improving Access to Mainstream Financial Institutions Act of 2009 (to establishing alternative small-dollar lending program to payday loans) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Lending Limitation Act of 2010 (to limit abusive aspects of payday loans) S.AMDT.4311 to HR4213: Franken/Snowe Amendment (to create an Office of the Homeowner Advocate) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modifications for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions, and to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR4300: Restoring America's Commitment to Consumers Act of 2009 (favoring a 36% inclusive interest rate cap) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) HR5942: FFSCC Act of 2010 (to protect existing state laws limiting abusive payday lending practices) House and Senate GSE Bills, not yet introduced (to ensure there is a secondary housing market to serve low- and moderate-income communities) Freedom of Mobility in Banking Act, not yet introduced (to facilitate consumers' ability to change banking accounts, including protection from unfair related fees) Executive branch agencies and issues: Dept. of Treasury -- Consumer Financial Protection Agency, HAMP, GSE reform, Bank On program Federal Trade Commission -- debt settlement, auto financing Banking agencies (Federal Reserve System, FDIC, OCC, OTS) -- testified at hearing on reforms to Community Reinvestment Act HUD -- GSE reform FDIC -- overdraft loans

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203), specifically focused on "Volcker Rule" provision. Interchange fees in general. H.R. 2382, Credit Card Interchange Fees Act of 2009. H.R. 3904, Overdraft Protection Act of 2009. S. 1799, FAIR Overdraft Coverage Act. S.3098, PROP Trading Act.

Client expense: Not reported · Firm income: $80,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203), specifically focused on "Volcker Rule" provision. Interchange fees in general. H.R. 2382, Credit Card Interchange Fees Act of 2009. H.R. 3904, Overdraft Protection Act of 2009. S. 1799, FAIR Overdraft Coverage Act. S.3098, PROP Trading Act.

Client expense: Not reported · Firm income: $80,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

H.R. 384 - TARP Reform and Accountability Act of 2009 H.R. 387 - TARP Accountability Act of 2009 S. 235 - Credit Cardholders Bill of Rights Act of 2009 S. 386 - An Act to improve enforcement of mortgage fraud, securities and commodities fraud, financial institution fraud, and other frauds related to Federal assistance and relief programs, for the recovery of funds lost to these frauds, and for other purposes. S. 566 - A bill to create a Financial Product Safety Commission, to provide consumers with stronger protections and better information in connection with consumer fiancial products, and to give providers of consumer financial products more regulatory certainty. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federla Government, and for other purposes. S. 961 - A bill to authorize the regulation of credit default swaps and other swap agreements, and for other purposes. H.R. 3763 - A bill to amend the Fair Credit Reporting Act. H.R. 3639 - To amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 to establish an earlier effective date for various consumer protections and for other purposes. H.R. 3606 - To amend the Truth in Lending Act to make a technical correction to an amendment made by the Credit CARD Act of 2009. H.R. 4173 - Wall Street Reform and Consumer Protection Act of 2009. H.R. 3996 - Financial Stability Improvement Act H.R. 2266 - Reasonable Prudence in Regulation Act H.R. 3904 - Overdraft Protection Act H.R. 3126 - Consumer Financial Protection Agency Act H.R. 2382 - Credit Card Interchange Fees Act of 2009 H.R. 3817 - Potential amendment to the Investor Protection Act that would roll-back the Supreme Court's Stoneridge decision No bill number - Section 984 of the discussion draft of the Restoring American Financial Stability Act of 2009 S. 3217 - Restoring American Financial Stability Act of 2010

Client expense: $697,169 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit cards: H.R. 3639 - Expedited CARD Reform for Consumer Act; S 1833 - Expedited CARD Reform for Consumer Act; S 1927 - Retroactive Rate Increase Moratorium Issues related to Small Business - S 2869 - Small Business Job Creation and Access to Capital Act of 2009 H.R. 3854 - Small Business Financing and Investing Act of 2009 H.R. 5297 - Small Business Lending Fund Act of 2010 H.R. 2919 - Small Business Lending Enhancement Act of 2009 S 3765 - Small Business Job Preservation Act of 2010 Issues related to Student Lending - S 1541 - Student Aid and Fiscal Responsibility Act of 2009 S 3219 - Fairness For Struggling Students Act of 2010 H.R. 5055 College Debt Swap Act of 2010 H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 5043 - Private Student Loan Bankrupcy Fairness Act of 2010 H.R. 4677 - Protecting Employees and Retirees in Business Bankrupcies Act of 2010 Issues related to Regulatory Reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 H.R. 4173 - Wall Street Reform & Consumer Protection Act of 2009 Issues related to Mortgage Lending - H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 4600 - Secure and Fair Enforcement for Mortgage Licensing Act Issues related to Interchange - H.R. 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 H.R. 2382 - Credit Card Interchange Fees Act of 2009 H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act Issues related to Overdraft Programs - H.R. 1456 - Consumer Overdraft Protection Fair Practices Act S 1799 - Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 H.R. 1487 - Overdraft Fee Notification Act H.R. 3904 - Overdraft Protection Act of 2009 Issues related to Data Security - H.R. 2221 - Data Accountabiliy and Trust Act S 1490 - Personal Data Privacy and Security Act of 2009 S 139 - Data Breach Notification Bill S 3579 - Data Security Act of 2010 S 3840 - Protecting Cyber Space as a National Asset Act of 2010 Issues related to Community Reinvestment - H.R. 6334 - American Community Investment Act of 2010 Issues related to Telecommunication - H.R. 1526 - Telephone Consumer Protection Act

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

Government targets: Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R.2695 - Credit Card Fair Fee Act of 2009 S.1212 - Credit Card Fair Fee Act of 2009 H.R.2382 - Credit Card Interchange Fees Act of 2009 H.R.3126 - Consumer Financial Protection Agency Act of 2009 H.R.4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act S.1799 - Fairness and Accountability in Receiving Overdraft Coverage Act H.R.3904 - Overdraft Protection Act of 2009 S.3217 - Restoring American Financial Stability Act of 2010

Client expense: $1,100,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

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

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

Issues related to credit cards: H.R. 3639 - Expedited CARD Reform for Consumer Act; S 1833 - Expedited CARD Reform for Consumer Act; S 1927 - Retroactive Rate Increase Moratorium Issues related to Small Business - S 2869 - Small Business Job Creation and Access to Capital Act of 2009 H.R. 3854 - Small Business Financing and Investing Act of 2009 H.R. 5297 - Small Business Lending Fund Act of 2010 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 S 1541 - Student Aid and Fiscal Responsibility Act of 2009 H.R. 4103 - Ensuring Continued Access to Student Loan Act S 2796 - Ensuring Continued Access to Student Loan Act H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act Issues related to Regulatory Reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 H.R. 4173 - Wall Street Reform & Consumer Protection Act of 2009 Issues related to Mortgage Lending S 896 - Helping Families Save Their Homes Act of 2009 H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act Issues related to Interchange H.R. 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 H.R. 2382 - Credit Card Interchange Fees Act of 2009 H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act Issues related to Overdraft Programs H.R. 1456 - Consumer Overdraft Protection Fair Practices Act S 1799 - Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 H.R. 1487 - Overdraft Fee Notification Act H.R. 3904 - Overdraft Protection Act of 2009 Other H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act S 1490 - Personal Data Privacy and Security Act of 2009 S 139 - Data Breach Notification Bill H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 3306 - DOD Appropriations Act of 2009 Regulatory Reform S 3217 - Restoring American Financial Stability Act of 2010

Client expense: $400,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R.1456 - Consumer Overdraft Protection Fair Practices Act - All provisions H.R.3904 - Overdraft Protection Act of 2009 - All provisions S.1799 - Fair Overdraft Coverage Act - All provisions S.61 - Helping Families Save Their Homes Act of 2010 - All provisions S.386 - Fraud Enforcement & Recovery Act of 2009 - All provisions Implementation of Secure and Fair Enforcement for Mortgage Licensing Act of 2008

Client expense: $1,470,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, White House Office

Issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525); Issues pertaining to data security, including S. 773 (the Cybersecurity Act); Issues involving payment cards, interchange fees, card issuer practices, and the regulation of consumer financial products, including H.R. 4173 (the Dodd-Frank Wall Street Reform and Consumer Protection Act), H.R. 2382 (the Credit Card Interchange Fees Act), H.R. 2695 (the Credit Card Fair Fee Act), S. 1212 (the Credit Card Fair Fee Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1487 (the Overdraft Fee Notification Act), H.R. 3904 (the Overdraft Protection Act), S. 1799 (the Fairness and Accountability in Receiving Overdraft Coverage Act); Issues related to the use of payment cards for purchases made over the Internet, including S. 3386 (the Restore Online Shoppers Confidence Act) and H.R. 5707 (companion legislation to S. 3386); issues related to the regulation of Internet gambling, including H.R. 2266 (the Reasonable Prudence in Regulation Act), H.R. 2267 (the Internet Gambling Regulation, Consumer Protection, and Enforcement Act), H.R. 2268 (the Internet Gambling Regulation and Tax Enforcement Act), H.R. 4976 (the Internet Gambling Regulation and Tax Enforcement Act), and H.R. 5599 (the Wire Clarification Act); Market access issues in global markets; Issues related to the negotiation of the Anti-Counterfeiting Trade Agreement; Issues related to the White Houses Joint Strategic Plan on Intellectual Property Enforcement.

Client expense: $2,330,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

S. 61, Helping Families Save Their Homes in Bankrupcy Act of 2009. S. 896, Helping Families Save Their Homes Act of 2009. Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. S. 3217/H.R. 4173, Restoring American Financial Stability Act. Interchange fees in general. H.R. 2382, Credit Card Interchange Fees Act of 2009. H.R. 3904, Overdraft Protection Act of 2009. S. 1799, FAIR Overdraft Coverage Act. Dodd-Frank Wall Street Reform and Consumer Protection Act; Title VI. Issues relating to proprietary trading and the "Volcker Rule" and Merkley-Levin amendment. S.3098, PROP Trading Act.

Client expense: Not reported · Firm income: $80,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

S. 61, Helping Families Save Their Homes in Bankrupcy Act of 2009. S. 896, Helping Families Save Their Homes Act of 2009. Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. S. 3217/H.R. 4173, Restoring American Financial Stability Act. Interchange fees in general. H.R. 2382, Credit Card Interchange Fees Act of 2009. H.R. 3904, Overdraft Protection Act of 2009. S. 1799, FAIR Overdraft Coverage Act. Dodd-Frank Wall Street Reform and Consumer Protection Act; Title VI. Issues relating to proprietary trading and the "Volcker Rule" and Merkley-Levin amendment. S.3098, PROP Trading Act.

Client expense: Not reported · Firm income: $80,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) S3217: Restoring American Financial Stability Act of 2010, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S3245: The Payday Loan Limitation Act (to place a cap on the rate of interest allowed on payday loans) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009, and related amendments (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) HR5689: Predatory Lending Sunset Act (to place a cap on the rate of interest allowed on small-dollar consumer loans) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate payday alternatives amendment (not yet introduced) (to create an alterative for abusive small-dollar loans) Senate FDIC payday standard (not yet introduced) (to create consumer protections for payday loan borrowers) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency, HAMP Federal Trade Commission - debt settlement

Client expense: $205,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 384 - TARP Reform and Accountability Act of 2009 H.R. 387 - TARP Accountability Act of 2009 S. 235 - Credit Cardholders Bill of Rights Act of 2009 S. 386 - An Act to improve enforcement of mortgage fraud, securities and commodities fraud, financial institution fraud, and other frauds related to Federal assistance and relief programs, for the recovery of funds lost to these frauds, and for other purposes. S. 566 - A bill to create a Financial Product Safety Commission, to provide consumers with stronger protections and better information in connection with consumer financial products, and to give providers of consumer financial products more regulatory certainty. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. S. 961 - A bill to authorize the regulation of credit default swaps and other swap agreements, and for other purposes. H.R. 3763 - A bill to amend the Fair Credit Reporting Act. H.R. 3639 - To amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 to establish an earlier effective date for various consumer protections and for other purposes. H.R. 3606 - To amend the Truth in Lending Act to make a technical correction to an amendment made by the Credit CARD Act of 2009. H.R. 4173 - Wall Street Reform and Consumer Protection Act of 2009. H.R. 3996 - Financial Stability Improvement Act. H.R. 2266 - Reasonable Prudence in Regulation Act H.R. 3904 - Overdraft Protection Act H.R. 3126 - Consumer Financial Protection Agency Act H.R. 2382 - Credit Card Interchange Fees Act of 2009 H.R. 3817 - Potential amendment to the Investor Protection Act that would roll-back the Supreme Court's Stoneridge decision No bill number - Section 984 of the discussion draft of the Restoring American Financial Stability Act of 2009 S. 3217 - Restoring American Financial Stability Act of 2010

Client expense: $932,499 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 HR 2382 - Credit Card Interchange Fees Act of 2009 HR 3126 - Consumer Financial Protection Agency Act of 2009 HR 4173 - Wall Street Reform and Consumer Protection Act of 2009 S 1799 - Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 HR 3904 - Overdraft Protection Act of 2009 S 3217 - Restoring American Financial Stability Act of 2010

Client expense: $1,530,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

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

Issues involving payment cards, interchange fees, card issuer practices, and the regulation of consumer financial products, including H.R. 4173 (the Dodd-Frank Wall Street Reform and Consumer Protection Act), H.R. 2382 (the Credit Card Interchange Fees Act), H.R. 2695 (the Credit Card Fair Fee Act), S. 1212 (the Credit Card Fair Fee Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1487 (the Overdraft Fee Notification Act), H.R. 3904 (the Overdraft Protection Act), S. 1799 (the Fairness and Accountability in Receiving Overdraft Coverage Act); issues pertaining to data security, including S. 773 (the Cybersecurity Act); issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525); issues related to the use of payment cards for purchases made over the Internet, including S. 3386 (the Restore Online Shoppers Confidence Act) and H.R. 5707 (companion legislation to S. 3386); issues related to the regulation of Internet gambling, including H.R. 2266 (the Reasonable Prudence in Regulation Act), H.R. 2267 (the Internet Gambling Regulation, Consumer Protection, and Enforcement Act), H.R. 2268 (the Internet Gambling Regulation and Tax Enforcement Act), H.R. 4976 (the Internet Gambling Regulation and Tax Enforcement Act), and H.R. 5599 (the Wire Clarification Act); market access issues in global markets; issues related to the negotiation of the Anti-Counterfeiting Trade Agreement; and issues related to the White Houses Joint Strategic Plan on Intellectual Property Enforcement.

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

Government targets: HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

HR2382, S1212 - legislation to regulate interchange fees associated with credit and debit cards. HR3126, HR4173 Financial regulatory restructuring HR977 and S1691 - Derivatives markets transparency and accountability act. HR2897 Bank Accounting and Risk Assessment Act. HR3904/S1799 - overdraft programs. HR4173 financial regulatory reform. S3217 financial regulatory reform.

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

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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

Regulation of credit card practices, including overdraft charges and interchange rates (HR 3904, the "Overdraft Protection Act of 2009," HR 3639, the "Expedited CARD Reform for Consumers Act of 2009," and S 1833, the "Expedited CARD Reform Act of 2009"). Modernization of financial regulation, including creation of a Consumer Financial Protection Agency (HR 4173, the "Wall Street Reform and Consumer Protection Act of 2009," and the "Restoring American Financial Stability Act of 2010").

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3126, Consumer Financial Protection Agency Act of 2009. H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009. S. 1799, FAIR Overdraft Coverage Act. H.R. 3904, Overdraft Protection Act of 2009. H.R. 3996, Financial Stability Improvement Act of 2009. H.R. 3795, Over-the-Counter Derivative Markets Act of 2009. Draft bill, Restoring American Financial Stability Act. Matters relating to the Volcker Rule and the Bank Tax. H.R. 1456, Consumer Overdraft Protection Fair Practices Act. H.R. 3639, Expedited CARD Reform for Consumers Act of 2009.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1456 - Consumer Overdraft Protection Fair Practices Act - All provisions H.R.3904 - Overdraft Protection Act of 2009 - All provisions S.1799 - Fair Overdraft Coverage Act - All provisions S.61 - Helping Families Save Their Homes Act of 2010 - All provisions S.386 - Fraud Enforcement & Recovery Act of 2009 - All provisions Implementation of Secure and Fair Enforcement for Mortgage Licensing Act of 2008

Client expense: $1,310,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

HR 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 HR 2382 - Credit Card Interchange Fees Act of 2009 HR 3126 - Consumer Financial Protection Agency Act of 2009 HR 4173 - Wall Street Reform and Consumer Protection Act of 2009 S 1799 - Fairness and Accountability in Receiving Overdraft Coverage of 2009 HR 3904 - Overdraft Protection Act of 2009 S 3217 - Restoring American Financial Stability Act of 2010

Client expense: $1,120,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

HR2382, S1212 - legislation to regulate interchange fees associated with credit and debit cards. HR3126 - Financial regulatory restructuring HR977 and S1691 - Derivatives markets transparency and accountability act. HR2897 Bank Accounting and Risk Assessment Act. HR3904/S1799 - overdraft programs. HR4173 financial regulatory reform. S3217 Financial Regulatory Reform.

Client expense: $1,020,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Issues related to the regulation of consumer financial products, including Senate proposals for financial regulatory reform, and provisions in H.R. 4173 (the Wall Street Reform and Consumer Protection Act). Issues involving payment cards, interchange fees, and card issuer practices, including H.R. 2382 (the Credit Card Interchange Fees Act), H.R. 2695 (the Credit Card Fair Fee Act), S. 1212 (the Credit Card Fair Fee Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1487 (the Overdraft Fee Notification Act), H.R. 3904 (the Overdraft Protection Act), S. 1799 (the Fairness and Accountability in Receiving Overdraft Coverage Act), H.R. 4300 (the Restoring America's Commitment to Consumers Act), and H.R. 4552 (the Benefit Card Fairness Act). Issues pertaining to data security, including S. 773 (the Cybersecurity Act). Issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525). Issues related to the use of payments cards in connection with the regulation of Internet gambling, including H.R. 2266 (the Reasonable Prudence in Regulation Act), H.R. 2267 (the Internet Gambling Regulation, Consumer Protection, and Enforcement Act), H.R. 2268 (the Internet Gambling Regulation and Tax Enforcement Act), and H.R. 4976 (the Internet Gambling Regulation and Tax Enforcement Act). Market access issues in global markets.

Client expense: $820,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1456, Consumer Overdraft Protection Fair Practices Act. H.R. 3639, Expedited CARD Reform for Consumers Act of 2009. H.R. 3126, Consumer Financial Protection Agency (CFPA) Act of 2009. H.R. 1207, Federal Reserve Transparency Act of 2009. H.R. 3904, Overdraft Protection Act of 2009. H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009. S. 1799, FAIR Overdraft Coverage Act; draft bill, Restoring American Financial Stability Act. H.r. 3996, Financial Stability Improvement Act of 2009. Volcker Rule.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues involving payment cards, interchange fees, and card issuer practices, including H.R. 2382 (the Credit Card Interchange Fees Act), H.R. 2695 (the Credit Card Fair Fee Act), S. 1212 (the Credit Card Fair Fee Act), H.R. 1456 (the Consumer Overdraft Protection Fair Practices Act), H.R. 1487 (the Overdraft Fee Notification Act), H.R. 3904 (the Overdraft Protection Act), S. 1799 (the Fairness and Accountability in Receiving Overdraft Coverage Act), H.R. 4300 (the Restoring America's Commitment to Consumers Act), and H.R. 4552 (the Benefit Card Fairness Act); issues related to the regulation of consumer financial products, including Senate proposals for financial regulatory reform, and provisions in H.R. 4173 (the Wall Street Reform and Consumer Protection Act); issues pertaining to data security, including S. 773 (the Cybersecurity Act); issues related to the use of payment cards in connection with the purchase of prescription medications over the Internet, including provisions in S. 525 (the Pharmaceutical Market Access and Drug Safety Act) and H.R. 1298 (companion legislation to S. 525); issues related to the regulation of Internet gambling, including H.R. 2266 (the Reasonable Prudence in Regulation Act), H.R. 2267 (the Internet Gambling Regulation, Consumer Protection, and Enforcement Act), H.R. 2268 (the Internet Gambling Regulation and Tax Enforcement Act), and H.R. 4976 (the Internet Gambling Regulation and Tax Enforcement Act); and market access issues in global markets.

Client expense: Not reported · Firm income: $200,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Lobbying issues were: CFPA (encouraging Congress to create an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to pass a 36% rate cap on consumer loans); [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentives for servicers to modify loans to prevent foreclosures) Specific legislation that was subject of lobbying activity: S61: Helping Families Save their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) S257: Consumer Credit Fairness Act (to require the bankruptcy court to disallow any claim arising from an abusive high cost consumer credit transaction) S414: Credit Card Accountability Responsibility and Disclosure Act of 2009 (to create consumer protections against credit card abusive practices) S500: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) S566: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) S585: Taxpayer Abuse Prevention Act (to provide additional protections for recipients of the earned income tax credit) S1799: FAIR Overdraft Coverage Act of 2009 (to create federal protections against abusive and unfair overdraft practices) S2824: Amendment to Community Development Banking and Financial Institutions Act of 1994 to establish a small dollar loan-loss guarantee fund, and for other purposes (to establish a small dollar loan-loss guarantee fund that insures fair and affordable small dollar loans) HR200: Helping Families Save Their Homes in Bankruptcy Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR225: Emergency Homeownership and Equity Protection Act (to allow for judicial loan modification for primary residences through the bankruptcy code) HR627: Credit Cardholders' Bill of Rights Act of 2009 (to create consumer protections against credit card abusive practices) HR1106: Helping Families Save their Homes Act of 2009 (to allow for judicial loan modification for primary residences through the bankruptcy code) HR1214: Payday Loan Reform Act of 2009 (to limit the most abusive aspects of payday loans) HR1456: Consumer Overdraft Protection Fair Practices Act (to create federal protections against abusive and unfair overdraft practices) HR1608: Protecting Consumers from Unreasonable Credit Rates Act of 2009 (to create a federal 36% APR usury cap) HR1637: Universal Default Prohibition Act of 2009 (to eliminate universal increases in interest rate on a credit card when cardholders default on accounts with other creditors) HR1705: Financial Product Safety Commission Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR1728: Mortgage Reform and Anti-Predatory Lending Act (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1782: Fairness for Homeowners Act of 2009 (to protect consumers against abusive, unfair, or deceptive practices in the mortgage marketplace) HR1846: Consumer Lending Education And Reform Act (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR2309: Consumer Credit and Debt Protection Act (to grant the FTC expedited rule-making authority) HR2563: Payday Lending Reform Act of 2009 (opposed the mere disclosure of abusive terms in payday loans and favored substantive consumer protections) HR3126: Consumer Financial Protection Agency Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR3639: Expedited CARD Reform for Consumers Act of 2009 (to move up the effective date of the Credit CARD Act to December 1, 2009) HR3904: Overdraft Protection Act of 2009 (to create federal protections against abusive and unfair overdraft practices) HR4173: The Wall Street Reform and Consumer Protection Act of 2009 (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) HR4229: Borrowers' Right to Inspect Closing Documents Act of 2009 (to require more timely delivery of loan and closing documents to borrower) Senate regulatory reform draft bill (not yet introduced) (to create a single agency to have strong rulewriting and enforcement authority in consumer financial transactions) Senate payday alternatives amendment (not yet introduced) (to create an alterative for abusive small-dollar loans) Senate FDIC payday standard (not yet introduced) (to create consumer protections for payday loan borrowers) Executive branch agencies and issues: Federal Reserve - Truth In Lending rescission rules Dept. of Treasury - Consumer Financial Protection Agency FDIC GAO

Client expense: $130,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1456, Consumer Overdraft Protection Fair Practices Act; H.R. 3904 and S. 1799, FAIR Overdraft Coverage Act; H.R. 2897, the Bank Accountability and Risk Assessment Act.; Extension of FDIC Transaction Account Guarantee Program; and S. 3217, Restoring American Financial Stability Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 384 - TARP Reform and Accountability Act of 2009 H.R. 387 - TARP Accountability Act of 2009 S. 235 - Credit Cardholders Bill of Rights Act of 2009 S. 298 - a bill to establish a Financial Markets Commission S. 386 - An Act to improve enforcement of mortgage fraud, securities and commodities fraud, financial institution fraud, and other frauds related to Federal assistance and relief programs, for the recovery of funds lost to these frauds, and for other purposes. S. 566 - A bill lto create a Financial Product Safety Commission, to provide consumers with stronger protections and better information in connection with consumer financial products, and to give providers of consumer financial products more regulatory certainty. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. S. 961 - A bill to authorize the regulation of credit default swaps and other swap agreements, and for other purposes. H.R. 3763 - A bill to amend the Fair Credit Reporting Act. H.R. 3639 - To amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 to establish an earlier effective date for various consumer protections and for other purposes. H.R. 3606 - To amend the Truth in Lending Act to make a technical correction to an amendment made by the Credit CARD Act of 2009. H.R. 4173 - Wall Street Reform and Consumer Protection Act of 2009. H.R. 3996 - Financial Stability Improvement Act H.R. 2266 - Reasonable Prudence in Regulation Act H.R. 3904 - Overdraft Protection Act H.R. 3126 - Consumer Financial Protection Agency Act H.R. 2382 - Credit Card Interchange Fees Act of 2009 H.R. 3817 - Potential amendment to the Investor Protection Act that would roll-back the Supreme Court's Stoneridge decision No bill number - Section 984 of the discussion draft of the Restoring American Financial Stability Act of 2009 S. 3217 - Restoring American Financial Stability Act of 2010

Client expense: $1,170,483 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit cards: H.R. 3639 - Expedited CARD Reform for Consumer Act; S 1833 - Expedited CARD Reform for Consumer Act; S 1927 - Retroactive Rate Increase Moratorium Issues related to Small Business - S 2869 - Small Business Job Creation and Access to Capital Act of 2009 H.R. 3854 - Small Business Financing and Investing Act of 2009 Issues related to Student Lending - H.R. 3221 - Student Aid and Fiscal Responsibility Act of 2009 S 1541 - Student Aid and Fiscal Responsibility Act of 2009 H.R. 4103 - Ensuring Continued Access to Student Loan Act S 2796 - Ensuring Continued Access to Student Loan Act Issues related to Regulatory Reform - H.R. 3126 - Consumer Financial Protection Agency of 2009 H.R. 4173 - Wall Street Reform & Consumer Protection Act of 2009 Issues related to Mortgage Lending S 896 - Helping Families Save Their Homes Act of 2009 Issues related to Interchange H.R. 2695 - Credit Card Fair Fee Act of 2009 S 1212 - Credit Card Fair Fee Act of 2009 H.R. 2382 - Credit Card Interchange Fees Act of 2009 Issues related to Overdraft Programs H.R. 1456 - Consumer Overdraft Protection Fair Practices Act S 1799 - Fairness and Accountability in Receiving Overdraft Coverage Act of 2009 H.R. 1487 - Overdraft Fee Notification Act H.R. 3904 - Overdraft Protection Act of 2009 Other H.R. 2309 - Consumer Credit and Debt Collection Act H.R. 2221 - Data Accountabiliy and Trust Act S 1490 - Personal Data Privacy and Security Act of 2009 S 139 - Data Breach Notification Bill H.R. 1479 - Community Reinvestment Modernization Act of 2009 H.R. 3306 - DOD Appropriations Act of 2009 Regulatory Reform S 3217 - Restoring American Financial Stability Act of 2010

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

Government targets: Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

S. 61, Helping Families Save Their Homes in Bankrupcy Act of 2009. S. 896, Helping Families Save Their Homes Act of 2009. Obama Administration Consumer Financial Protection Agency Act of 2009 proposed legislation. H.R. 3126, The Consumer Financial Protection Agency Act of 2009. H.R. 4173, the Wall Street Reform and Consumer Protection Act. S. 3217, Restoring American Financial Stability Act. Interchange fees in general. H.R. 2382, Credit Card Interchange Fees Act of 2009. H.R. 3904, Overdraft Protection Act of 2009. S. 1799, FAIR Overdraft Coverage Act.

Client expense: Not reported · Firm income: $80,000

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE