Protecting Homeowners' Credit History Act of 2010

Prohibition of Mandatory Binding Arbitration Clauses S 931 - Arbitration Fairness Act of 2009 HR 1020- Arbitration Fairness Act of 2009 Arbitration Provisions HR 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act Strengthening the ability of the FCC to make good decisions HR 2183- A bill to improve public participation and overall decision-making at the Federal Communications Commission, and for other purposes Delay of Implementation for New Lead Paint Rules HR 4899- Disaster/War Supplemental Appropriations Meetings with EPA Protection of Credit History Information HR 5743 - Protecting Homeowners' Credit History Act of 2010 Protection of Consumer Data; Notification of Customers following Data Breach HR 5777 - Building Effective Strategies To Promote Responsibility Accountability Choice Transparency Innovation Consumer Expectations and Safeguards (BEST PRACTICES) Act Notification of Customers following Data Breach HR 6236 - Data Breach Notification Act Protection of Credit History Information HR 5743 - Protecting Homeowners' Credit History Act of 2010 Regulations on Lead Paint in Homes HR 5835 - Improving Lead-Based Paint Investigations Act of 2010 Improved Enforcement of Mortgage, Financial, and Other Types of Fraud S 386 - Fraud Enforcement and Recovery Act (FERA) of 2009

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

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

H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act.- all provisions relating to consumer protection and restructuring of the financial services industry . S. 139 - A bill to require Federal agencies, and persons engaged in interstate commerce, in possession of data containing sensitive personally identifiable information, to disclose any breach of such information - provisions relating to credit reporting. S. 141 - A bill to amend title 18, United States Code, to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes - provisions relating to credit reporting. S. 414 - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes - provisions relating to credit reporting S. 392 - A bill to protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers - provisions related to young consumers. S. 235 - A bill to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan - provisions related to young consumers. H.R. 1469 - To amend the National Child Protection Act of 1993 to establish a permanent background check system - provisions relating to credit reporting. H.R. 1728 - the Mortgage Reform and Anti-Predatory Lending act of 2009 - provisions relating to credit reporting. H..R. 1748 - the "Fight Fraud Act 2009" - provisions relating to mortgage fraud. H.R. 2221 - Data Accountability & Trust Act - provisions relating to protecting computerized data containing personal information and other provisions relating to credit reporting. H.R. 3126- Consumer Financial Protection Agency Act of 2009 - all sections particularly as they relate to consumer reporting agencies. H.R. 3149 - Equal Employment for All Act - all provisions relating to the use of consusmer credit checks against prospective and current employees for the purposes of making adverse employment decisions. S. 1490 - Personal Data Privacy and Security Act of 2009 - A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement, assistance, and other protections against security breaches, fraudulent access, and misuse of personally idenftifiable information. - all provisions relating to data brokers H.R. 3421 - The Medical Debt Relief Act - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a fully paid or settled medical debt that had been characterized as debt in collection for credit reporting purposes, which, for the date of payment or settlement, antedates the report by more than 30 calendar days.- all provisions relating to credit reporting. S. 1261 - A bill to repeal title II of the REAL ID Act of 2005 and amend title II of the Homeland Security Act of 2002 to better protect the security, confidentiality, and integrity of personally identifiable information collected by States when issuing driver's licenses and identification documents, and for other purposes.- provisions relating to driver's licenses. H.R. 4538 - To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers - provisions relating to credit scores. S. 3217- "Restoring American Financial Stability Act of 2010" - A bill to promote the financial stability of the US by improving accountability and transparency in the financial system to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect cosumers from abusive financial services practices, and for other purposes - provisions relating to consumer financial protection. H.R. 5743 - To amend the Fair Credit Reporting Act to prohibit the furnishing of certain negative loan modification information to a consumer reporting agency and to prohibit such information from being used in computing a consumer's credit score. All provisions as they relate to consumer reporting agencies. S. 3742 - Data Security and Breach Notification Act of 2010 - all provisions relating to consumer protection.

Data Breach / ID Theft / Spyware; Internet Spyware Social Security Number Protection Non-prime/Anti-Predatory Lending; Social Security Verification; Employee Free choice; Student Loans; College Student Debt Relief; Unfair Practices in Credit Cards Credit Card holders Bill of Rights; Fairness in Nursing Home Arbitration Act; Fair Mortgage Practices; Borrower protection; Optional Federal Charter; H.R. 627, the "Credit Cardholders' Bills of Rights Act of 2009" H.R. 2221, the "Data Accountability and Trust Act" H.R. 1409, Employee Free Choice Act of 2009; H.R. 2592, Safe Building Code Incentive Act; H.R. 3149, Equal Employment for All Act H.R. 3435, Cash for Clunkers program; 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.5047, Taxpayer Bill of Rights Act of 2010; H.R. 5458, Student Loan Protection Act H.R. 5693, Taxpayer Abuse Prevention Act H.R. 5743, Protecting Homeowners' Credit History Act of 2010

Client expense: $1,400,000 · Firm income: Not reported

Small Business Jobs Act (HR 5297), $30 billion Small Business Lending Fund, SBA provisions, Subchapter "S" provisions, expensing and depreciation, export and trade finance incentives, credit union expansion of business lending capabilities, loan loss amortization Bank regulatory enforcement actions and their publication, harsh regulatory examinations, asset risk weights percentages for GSEs securities and the impact on regulatory capital, Trust Preferred Securities and the impact on regulatory capital FASBs proposed mark-to-market accounting rule change Dodd-Frank Wall Street Reform and Consumer Protection Act (HR 4173 and S 3217), asset-based deposit insurance assessments, too-big-to-fail banks and financial institutions (TBTF) and systemic risk, Consumer Financial Protection Bureau (CFPB), CFPB rule writing, examination, enforcement and exemption for community banks, deposit insurance limit increases, Transaction Account Guarantee (TAG) extension, SOX Section 404(b) exemption of auditor attestation requirement, Volker Rule, Industrial Loan Companies (ILCs) moritorium, Trust Preferred Securities, 5% risk-retention rule, "qualified loans" mortgage underwriting, derivatives rules, large-bank FDIC premiums, FHLB concentration limits, Durbin debit interchange amendment, auto dealer CFPB exemption, executive compensation, bank holding company (BHC) risk committees, expanded affiliate transaction rules, insider trading rules, "source of strength" rules for BHCs FHLB double assessment secured liability adjustment Future of the housing GSEs, key principals in the reform of Fannie, Freddie and the FHLB Protecting Homeowners Credit History Act (HR 5743), accurate reporting of credit histories Proposed Commercial Real Estate Stabilization Act (CRESA) securitize commercial real estate loans and other real estete owned (OREO) Capped versus full residential mortgage interest deduction

Small Business Jobs Act (HR 5297), $30 billion Small Business Lending Fund, SBA provisions, Subchapter "S" provisions, expensing and depreciation, export and trade finance incentives, credit union expansion of business lending capabilities, loan loss amortization Bank regulatory enforcement actions and their publication, harsh regulatory examinations, asset risk weights percentages for GSEs securities and the impact on regulatory capital, Trust Preferred Securities and the impact on regulatory capital FASBs proposed mark-to-market accounting rule change Dodd-Frank Wall Street Reform and Consumer Protection Act (HR 4173 and S 3217), asset-based deposit insurance assessments, too-big-to-fail banks and financial institutions (TBTF) and systemic risk, Consumer Financial Protection Bureau (CFPB), CFPB rule writing, examination, enforcement and exemption for community banks, deposit insurance limit increases, Transaction Account Guarantee (TAG) extension, SOX Section 404(b) exemption of auditor attestation requirement, Volker Rule, Industrial Loan Companies (ILCs) moritorium, Trust Preferred Securities, 5% risk-retention rule, "qualified loans" mortgage underwriting, derivatives rules, large-bank FDIC premiums, FHLB concentration limits, Durbin debit interchange amendment, auto dealer CFPB exemption, executive compensation, bank holding company (BHC) risk committees, expanded affiliate transaction rules, insider trading rules, "source of strength" rules for BHCs FHLB double assessment secured liability adjustment Future of the housing GSEs, key principals in the reform of Fannie, Freddie and the FHLB Protecting Homeowners Credit History Act (HR 5743), accurate reporting of credit histories Proposed Commercial Real Estate Stabilization Act (CRESA) securitize commercial real estate loans and other real estete owned (OREO) Capped versus full residential mortgage interest deduction

H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 H.R. 5072 - FHA Reform Act of 2010 H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act S. 3217 - Restoring American Financial Stability Act of 2010 S. 3247 - Free Access to Credit Scores Act H.R. 3149 - Equal Employment for All Act H.R. 2374 - Credit Score Fairness Act of 2009 H.R. 5048 - National Heroes Credit Protection Act H.R. 5743 - Protecting Homeowners' Credit History Act of 2010

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE

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 derivatves markets, and for other purposes - provisions relating to consumer reporting agencies S. 139 - A bill to require Federal agencies, and persons engaged in interstate commerce, in possession of data containing sensitive personally identifiable information, to disclose any breach of such information - provisions relating to credit reporting. S. 141 - A bill to amend title 18, United States Code, to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes - provisions relating to credit reporting. S. 414 - A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes - provisions relating to credit reporting S. 392 - A bill to protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers - provisions related to young consumers. S. 235 - A bill to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan - provisions related to young consumers. H.R. 1469 - To amend the National Child Protection Act of 1993 to establish a permanent background check system - provisions relating to credit reporting. H.R. 1728 - the Mortgage Reform and Anti-Predatory Lending act of 2009 - provisions relating to credit reporting. H..R. 1748 - the "Fight Fraud Act 2009" - provisions relating to mortgage fraud. H.R. 2221 - Data Accountability & Trust Act - provisions relating to protecting computerized data containing personal information and other provisions relating to credit reporting. H.R. 3126- Consumer Financial Protection Agency Act of 2009 - all sections particularly as they relate to consumer reporting agencies. H.R. 3149 - Equal Employment for All Act - all provisions relating to the use of consusmer credit checks against prospective and current employees for the purposes of making adverse employment decisions. S. 1490 - A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement, assistance, and other protections against security breaches, fraudulent access, and misuse of personally idenftifiable information. - all provisions relating to data brokers H.R. 3421 - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a fully paid or settled medical debt that had been characterized as debt in collection for credit reporting purposes, which, for the date of payment or settlement, antedates the report by more than 30 calendar days.- all provisions relating to credit reporting. S. 1261 - A bill to repeal title II of the REAL ID Act of 2005 and amend title II of the Homeland Security Act of 2002 to better protect the security, confidentiality, and integrity of personally identifiable information collected by States when issuing driver's licenses and identification documents, and for other purposes.- provisions relating to driver's licenses. H.R. 4538 - To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers - provisions relating to credit scores. H.R. 3149 - To amend the Fair Credit Rporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions. S. 3217- "Restoring American Financial Stability Act of 2010" - A bill to promote the financial stability of the US by improving accountability and transparency in the financial system to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect cosumers from abusive financial services practices, and for other purposes - provisions relating to consumer financial protection. H.R. 5743 - To amend the Fair Credit Reporting Act to prohibit the furnishing of certain negative loan modification information to a consumer reporting agency and to prohibit such information from being used in computing a consumer's credit score. Provisions as they relate to consumer reporting agencies.