Freedom from Discrimination in Credit Act of 2009

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

Domestic Partners Benefits and Obligations Act (H.R. 2517/S. 1102); Family and Medical Leave Inclusion Act (H.R. 2132); Workplace Religious Freedom Act; Employment Non-Discrimination Act (H.R. 3017/S.1584); Charitable choice issues; Judicial nominations; Respect for Marriage Act (H.R. 3567); Anti-D.C. marriage equality bill (H.R. 2608); Marriage Protection Act of 2009 (H.R. 1269); Family Leave Insurance Act of 2009 (H.R. 1723); Every Child Deserves a Family Act of 2010 (H.R. 4806); Freedom from Discrimination in Credit Act (H.R. 4376); Housing Nondiscrimination Act of 2010 (H.R. 4828); Fair and Inclusive Housing Rights Act of 2010 (H.R. 4820); Housing Non-Discrimination Act of 2010 (H.R.4988).

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

Tax Equity for Health Plan Beneficiaries Act (H.R. 2625/S. 1153); National Employee Savings & Trust Guarantee Act (NESTEG); Equal Access to COBRA Act of 2010 (S. 3182); Freedom from Discrimination in Credit Act (H.R. 4376).

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

Tax Equity for Health Plan Beneficiaries Act (H.R. 2625/S. 1153); National Employee Savings & Trust Guarantee Act (NESTEG); Equal Access to COBRA Act of 2010 (S. 3182); Freedom from Discrimination in Credit Act (H.R. 4376).

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

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

Tax Equity for Health Plan Beneficiaries Act (H.R. 2625/S. 1153); National Employee Savings & Trust Guarantee Act (NESTEG); Equal Access to COBRA Act of 2010 (S. 3182); Freedom from Discrimination in Credit Act (H.R. 4376).

Client expense: $740,000 · Firm income: Not reported

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

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