To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009.

HR 2382, Credit Card Interchange Fees Act of 2009 HR 2695, Credit Card Fair Fee Act of 2009 S. 1212, Credit Card Fair Fee Act of 2009 Pre-paid debit benefit cards. Data breach legislation. H.R.5199 -- Electronic Check Parity Act of 2010 H.R 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Section 1075 on Debit Card Reforms. S. 3549, HR 5502, Extension of Gift Card Regulations. To amend the effective date of gift card provisions of the Credit Card Act of 2009.

Client expense: $320,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Reserve System, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), SENATE, Treasury, Dept of

Interchange; CARD Act Regulations (S.3549/H.R. 5502); Financial Regulation Reform (S. 3217)

Client expense: $370,000 · Firm income: Not reported

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Corporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 4173, to provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes; H.R.5038, Fair Access to Credit and Job Creation Act of 2010; H.R.5159, Safe, Accountable, Fair, and Efficient Banking Act of 2010; H.R.5502, To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009; H.AMDT.697 to H.R.5297small banks to amortize losses on commercial real estate loans over a 10-year period, freeing up more capital for these small institutions to lend to small businesses; H.R. 3639 and S. 1833, the Expedited CARD Reform for Consumers Act; S. 1927, Credit Card Rate Freeze Act of 2009; S. 1799, The Fairness and Accountability in Receiving Overdraft Coverage Act; H.R. 2221, Data Accountability and Trust Act; H.R. 5297, Small Business Jobs and Credit Act H.R. 5680, Predatory Lending Sunset Act H.R. 6225, Permanent End to TARP Act

Monitor credit card and prepaid card legislation and impact on prepaid card industry; H.R. 5502 legislation to amend the effective day of the Card Act; H.R. 4763, the Wall Street Reform and Consumer Protection Act of 2010; S. 4041; the Prepaid Card Consumer Protection Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor credit card and prepaid card legislation and impact on prepaid card industry; H.R. 5502 legislation to amend the effective day of the Card Act; H.R. 4763, the Wall Street Reform and Consumer Protection Act of 2010; S. 4041; the Prepaid Card Consumer Protection Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Corporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 4173, to provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes; H.R.5038, Fair Access to Credit and Job Creation Act of 2010; H.R.5159, Safe, Accountable, Fair, and Efficient Banking Act of 2010; H.R.5502, To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009; H.AMDT.697 to H.R.5297small banks to amortize losses on commercial real estate loans over a 10-year period, freeing up more capital for these small institutions to lend to small businesses; H.R. 3639 and S. 1833, the Expedited CARD Reform for Consumers Act; S. 1927, Credit Card Rate Freeze Act of 2009; S. 1799, The Fairness and Accountability in Receiving Overdraft Coverage Act; H.R. 2221, Data Accountability and Trust Act; H.R. 5297, Small Business Jobs and Credit Act H.R. 5680, Predatory Lending Sunset Act H.R. 6225, Permanent End to TARP Act

Monitor credit card and pre-paid card legislation and impact on credit card industry; H.R. 5502 legislation to amend the effective day of the Card Act; H.R. 4763, the Wall Street Reform and Cashier Protection Act of 2010.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor Credit Card and Pre-paid Card legislation and impact on credit card industry; H.R. 5502 legislation to amend the effective day of the Card Act; H.R. 4763, the Wall Street Reform and Cashier Protection Act of 2010.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitored HR 4554 - Benefit Card Fairness Act of 2010, HR 4941-Anti Cash Smuggling Act of 2010, and HR 4966 Stored Value Device Registration Act of 2010 for impact to prepaid card industry. Restoring American Financial Stability Act of 2010-addressed definitional provisions, opposed to Durbin Interchnage Amendment; supported HR 5502 and S 3549 ECO Card Act to extend deadline for compliance with CARD Act rules.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2382, Credit Card Interchange Fees Act of 2009 HR 2695, Credit Card Fair Fee Act of 2009 S. 1212, Credit Card Fair Fee Act of 2009 HR 3149 - Equal Employment for All Act Pre-paid debit benefit cards. Data breach legislation. H.R.5199 -- Electronic Check Parity Act of 2010 H.R 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act Title X - Provisions re: Durbin interchange amendment Provisions regarding expansion of FTC authority. S. 3549, HR 5502, Extension of Gift Card Regulations. To amend the effective date of gift card provisions of the Credit Card Act of 2009.

Client expense: $214,000 · Firm income: Not reported

H.R. 3269, Corporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R 3817, Investors Protection Act; H.R. 4173, the Wall Street Reform and Consumer Protection Act; SEC proposed rule of "Facilitating Shareholder Director Nominations" (File No. S7-10-09); issues related to consumer credit; H.R. 2695 and S. 1212, the Credit Card Fair Free Act; H.R. 2382, Credit Card Interchange Fees Act of 2009; Issues related to the Credit CARD Act, H.R. 6247, including regulation Z changes; Restoring American Financial Stability Act of 2010; SEC IFRS Convergence; H.R. 2861, Shareholder Empcurerment Act of 2009; H.R. 3272, Corporate Convernance Reform Act of 2009; H.R. 3351, Proxy Voting Transparency Act of 2009; FinCEn proposed regulation regarding prepaid access; HR 5502, transition relief to Credit CARD Act; Dodd-Frank CEO-median employee pay ration disclosure rule.

Client expense: $670,000 · Firm income: Not reported

H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2695 and S. 1212, the Credit Card Fair Free Act of 2009; issues related to H.R. 627, Credit CARD Act; Issues regarding federal government assistance to financial institutions to stabilize the credit markets; issues related to Consumer Financial Protection Agency Act; issues related to deferred interest "no interest, no payment' promotions; Restoring American Financial Stability Act of 2010; HR 4173, Wall Street Reform & COnsumer Financial Protection Act; HR 5502, to deal credit card act effective date; Federal Reserve Implementation of Dodd-Frank interchange limitations.

Client expense: $670,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), White House Office

Interchange; CARD Act Regulations (S.3549/H.R. 5502); Financial Regulation Reform (S. 3217)

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

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Public Law 111-24, the Credit CARD Act of 2009, provisions relating to credit card practices Issues relating to merchant interchange fees Issues relating to Payment Card Industry Data Security Standards HR 2382, Credit Card Interchange Fee Act, provisions related to merchant interchange fees HR 2695, Credit Card Fair Fee Act, provisions related to merchant interchange fees S 1212, Credit Card Fair fee Act, provisions related to merchant interchange fees HR 3457, Small Business Credit Card Act of 2009, issues relating to small business credit card practices HR 4173, the Wall Street Reform and Consumer Protection Act of 2009, issues relating to financial regulatory reform HR 4300, the Restoring America's Commitment to Consumers Act of 2009, issues relating to interest rate caps HR 5502, to amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 S 3549, to amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009

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

Interchange provisions in the financial regulatory reform legislation, specifically as they relate to reloadable prepaid cards; Consumer financial protection bureau provisions as they relate to prepaid cards. ECO Card Act (H.R. 5502), including transition date provision.

Client expense: Not reported · Firm income: $90,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-24, the Credit CARD Act of 2009, provisions relating to credit card practices Issues relating to merchant interchange fees Issues relating to Payment Card Industry Data Security Standards HR 2382, Credit Card Interchange Fee Act, provisions related to merchant interchange fees HR 2695, Credit Card Fair Fee Act, provisions related to merchant interchange fees S 1212, Credit Card Fair fee Act, provisions related to merchant interchange fees HR 3457, Small Business Credit Card Act of 2009, issues relating to small business credit card practices HR 4173, the Wall Street Reform and Consumer Protection Act of 2009, issues relating to financial regulatory reform S 3217, Restoring American Financial Stability Act of 2010, provisions relating to financial regulatory reform HR 4300, the Restoring America's Commitment to Consumers Act of 2009, issues relating to interest rate caps HR 5502, to amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 S 3549, to amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009

Client expense: $630,000 · Firm income: Not reported

HR 2382, Credit Card Interchange Fees Act of 2009 HR 2695, Credit Card Fair Fee Act of 2009 S. 1212, Credit Card Fair Fee Act of 2009 HR 3457 - Small Business Credit Card Act of 2009. Pre-paid debit benefit cards. Data breach legislation. H.R.5199 -- Electronic Check Parity Act of 2010 S. 3127 - Restoring American Financial Stability Act of 2010 - S. Amdt. 3989 re: interchange transaction fees and network restrictions. H.R 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act Conference Report - Title X - Provisions re: interchange transaction fees. Provisions regarding expansion of FTC authority. S. 3549, HR 5502, Extension of Gift Card Regulations. To amend the effective date of gift card provisions of the Credit Card Act of 2009.

Client expense: $337,000 · Firm income: Not reported

H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2695 and S. 1212, the Credit Card Fair Free Act of 2009; issues related to H.R. 627, Credit CARD Act; Issues regarding federal government assistance to financial institutions to stabilize the credit markets; issues related to Consumer Financial Protection Agency Act; issues related to deferred interest "no interest, no payment' promotions; Restoring American Financial Stability Act of 2010; HR 4173, Wall Street Reform & COnsumer Financial Protection Act; HR 5502, to deal credit card act effective date; issues related to conflict minerals in HR 4173 conference report

Client expense: $684,940 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Equal Employment Opportunity Commission (EEOC), Federal Bureau of Investigation (FBI), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Immigration & Customs Enforcement (ICE), U.S. International Trade Commission (ITC), U.S. Postal Service (USPS), U.S. Secret Service, U.S. Trade Representative (USTR), White House Office

Credit card, interchanges fees and practices GSE Reform Govt Purchase Card S.Credit Card Fair Fee Act Regulatory Restructuring; FDIC Assessments; S. 73, a bill to establish a systematic mortgage modification program at the FDIC; S. 895, a bill which included a provision known as "cram-down" of primary mortgages; H.R. 37, a bill to establish a systematic mortgage modification program at the FDIC; H.R. 627, Credit Cardholders' Bill of Rights Act of 2009; H.R. 1106, prevent mortgage foreclosures and enhance mortgage credit availability; H.R. 2309, The Consumer Credit and Debt Protection Act of 2009; H.R. 2382, Credit Card Interchange Fees Act of 2009; H.R. 2897, Bank Accountability and Risk Assessment Act of 2009; H.R. 3126, Consumer Financial Protection Agency Act of 2009; H.R. 3269, Conporate and Financial Institution Compensation Fairness Act of 2009; S. 1074, Shareholder Bill of Rights Act of 2009; H.R. 4173, to provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes; H.R.5038, Fair Access to Credit and Job Creation Act of 2010; H.R.5159, Safe, Accountable, Fair, and Efficient Banking Act of 2010; H.R.5502, To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009; H.AMDT.697 to H.R.5297small banks to amortize losses on commercial real estate loans over a 10-year period, freeing up more capital for these small institutions to lend to small businesses; H.R. 3639 and S. 1833, the Expedited CARD Reform for Consumers Act; S. 1927, Credit Card Rate Freeze Act of 2009; S. 1799, The Fairness and Accountability in Receiving Overdraft Coverage Act; H.R. 2221, Data Accountability and Trust Act;

Client expense: $1,620,000 · Firm income: Not reported

Interchange; CARD Act Regulations (S.3549/H.R. 5502); Financial Regulation Reform (S. 3217)

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

Government targets: Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Bills addressing interchange fees paid by retailers and customers including - S.1212, H.R. 2695 and H.R. 2382, S.414, S.2235, H.R. 627 and H.R.4173 Wall Street Reform; provisions in H.R. 4173 related to FTC Authority and matters related to corporate governance; H.R.5502, to amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Monitored HR 4554 - Benefit Card Fairness Act of 2010, HR 4941 Anti Cash Smiggling Act of 2010, and HR 4966 Stored Value Device Registration Act of 2010 for impact to prepaid card industry. Restoring American Financial Stability Act of 2010-- addressed "deposit taking activity" and other definitional provisions, opposition to Durbin interchange amendment; Supported HR 5502 and S 3549 ECO Card Act to extend deadline for compliance with CARD Act rules to 1/31/10.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE