To increase the flexibility of the Secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance, and for other purposes.

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues affecting mortgage insurance and long-term care insurance H.R.3996-Financial Stability Improvement Act, provisions relating to to risk retention H.R.5981-To Amend the National Housing Act to increase the flexibility of the Secretary of Housing and Urban Development with respect to the amounts of premiums charged for FHA single family housing mortgage insurance, and for other purposes

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

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

Legislation: H.R. 4173 and S. 3217 - Financial Regulatory Reform: Capital Standards, including trust preferred securities and the Collins Amendment; Debit Card Interchange fees, including Federal Reserve fee setting standards, exemptions and the Durbin Amendment; Preemption, including State Attorneys General Authority, Visitation, The Barnett Standard and federal standards; Bank Fees, including funding for the legislation; FDIC Insurance premiums, including higher reserves, the Gutierrez amendment, (cont'd.) and rebates; Fed Governance, including director qualification standards, selection of the New York Fed President; Derivatives, including an end user exemption; Proprietary Trading, including the Volcker Rule; Oversight of FASB and Mark-to-Market accounting standards; FHLB Lending, including loan-to-one-borrower limits; The Consumer Financial Protection Bureau, including exemption from CFPB Examination and Regulation, an appeals process from CFPB rules that interfere with safety and soundness, funding of the CFPB, the definition of "abusive," increased reporting and recordkeeping requirements and mandatory tax compliance reporting; Thrift Charter, including the opportunity for new federal thrifts; State Lending Limits preservation; An exemption from SOX 404(b) for small, public filers; Risk retention for securitized assets; Interest on business checking; De Novo Interstate Branching; Deposit Insurance Limits; Opposition to Usury Limits, Bankruptcy Cramdown, ATM Fee limits; Restoration of Glass-Steagall, Other Fee Restrictions; GAO Audits of the Fed; Restriction on the "Marquette" case; FHA Funding Extension - H.R. 5872; Unlawful Internet Gambling Regulation - H.R.. 2267; Interchange Regulation through the Appropriations Process; Supplemental Education and Medical Appropriations - H.R. 1586; Interstate Taxation - H.R. 1083. Legislation to Extend SBA Loan Authority - H.R. 4938 Flood Insurance Legislation - H.R.4851; H.R.5114; H.R.5569; S.3814 Credit and Debit Card Interchange Fee Restriction Legislation - H.R. 2695 FHA Reform - H.R. 5072; H.R. 5981 Small Business Lending Capital Infusion legislation - H.R. 5297, the Small Business Lending Fund Act, including a proposed Senate amendment on expanded credit union business lending. Middle Class Tax Relief Act, H.R.4853; Continuing Resolution & SBA Fees - H.R. 3082. Regulation: The HAMP Program for mortgage loan modifications; SEC Risk Retention Proposal; FDIC Transaction Account Guarantee Program; FDIC Deposit Insurance Assessments; Fed Amendments to Reg D authorizing term deposits for depository institutions at the Federal Reserve Banks; Unlawful Internet Gambling Act Regulatory Implementation; Federal Reserve Regulations governing overdraft services under Regulations E and DD; Department of Labor Regulation Requiring posting of a notice on union organizing rights by federal contractors; Federal Reserve Board Credit CARD Act implementing regulations, including late fee restrictions and inactivity fee restrictions; CRA amendment on foreclosed property; Federal Bank regulatory agency guidance on incentive compensation. Department of Justice Regulations on Access to ATM machines S.A.F.E. Act Mortgage Loan Originator Registration Use of credit ratings in bank capital standards FDIC Model Safe Accounts Proposal FDIC Overdraft Program Proposal Fed Proposal on escrow accounts for jumbo mortgage loans Fed Proposal on loan origination compensation OCC Proposal on Truth in Savings Reporting for Overdrafts Fed Proposal on Enhanced Consumer Protection for Mortgage Loans Fed Regulation on disclosure of mortgage loan sales FDIC Risk Retention Rules for securitized assets Fed Proposal on Credit Enhancement Products for Mortgage Loans FASB Proposal on lease accounting Fed Interchange Fee Restriction Proposal - Reg II Fed, FDIC, OCC Proposal on capital requirements for holding companies to implement the Collins Amendment FDIC Proposal on assessments, assessment rates & risk-rating system Fed's Volcker Rule Proposal on proprietary trading Fed Real Estate Appraisal Rule; FASB's Mark-to-Market Accounting Proposal

Client expense: $70,000 · Firm income: Not reported

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

TARP Troubled Asset Relief Program H.R. 5981 - To increase the flexibility of the Secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance, and for other purposes

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5981 - To increase the flexibility of the Secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance, and for other purposes

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4173 - Wall Street Reform and Consumer Protection Act of 2009 TARP Troubled Asset Relief Program S. 3217 - Restoring America's Financial Stability Act of 2010 H.R. 5981 - To increase the flexibility of the Secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance, and for other purposes

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4173 - Wall Street Reform and Consumer Protection Act of 2009 S. 3217 - Restoring America's Financial Stability Act of 2010 H.R. 5981 - To increase the flexibility of the Secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance, and for other purposes

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 5003, HR 5017, HR 4899 - discuss the USDA rural housing loan program; HR 6334, HR 5981, HR 3081 - discuss proposals for reform of the FHA and the Community Reinvestment Act.

Client expense: $2,740,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 5072, S3704 FHA Reform Act of 2010; H.R. 5981 - Legislation to give HUD secretary flexibility to raise FHA single family mortgage insurance premiums.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

FHA Loan Limit Increase; Increasing GSE Loan Limits HR 2483 - Increasing Homeownership Opportunities Act FHA Oversight HR 2467- FHA Enhanced Oversight Act of 2009 Studies on FHA Mortgage Insurance HR 2995- Disaster State Housing Recovery Act of 2009 Use of TARP Funds for Homeowner Relief and Affordable Rental Housing; Homeowner Relief Efforts HR 3766- Main Street TARP Act of 2009 Relief for Victims of Gulf Cost Oil Spill HR 5601- Gulf Coast Homeowners Relief Act of 2010 Funding for Rural Housing Service Programs HR 4899- Disaster/War Supplemental Appropriations HR 5017- Rural Housing Preservation and Stabilization Act of 2010 S 3266- Rural Housing Preservation and Stabilization Act of 2010 Establishment of a Monument Commemorating Passage of the "Fair Housing Act" HR 3425 - A bill to authorize the Fair Housing Commemorative Foundation to establish a commemorative work on Federal land in the District of Columbia to commemorate the enactment of the Fair Housing Act in 1968 FHA Downpayment Requirements HR 3706- FHA Taxpayer Protection Act of 2009 FHA Loan Limit Increase HR 2483- Increasing Homeownership Opportunities Act HR 587- A bill to increase the loan limits for the FHA single family housing mortgage insurance programs and reverse mortgage program and for the conforming loan limits for Fannie Mae and Freddie Mac during 2009 FHA Modernization HR 3146- 21st Century FHA Housing Act of 2009 FHA Prohibition on Seller-funded Downpayment Assistance HR 600- FHA Seller-Financed Downpayment Reform Act of 2009 Homeowner Relief Efforts HR 3066- Temporary Mortgage Assistance Loan Act of 2009 HR 3068- TARP for Main Street Act of 2009 HR 3142- Homeowners' Emergency Mortgage Assistance ActHOU HR 3766- Main Street TARP Act of 2009 Modifications to Improve FHA Stability HR 5072- FHA Reform Act of 2010 Prevention of Housing Discrimination HR 476- Housing Fairness Act of 2009 S 3704 - Housing Fairness Act of 2009 Protection of Affordable Housing HR 4868- Housing Preservation and Tenant Protection Act Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents HR 3026 - Hazard Mitigation For All Act of 2009 Recognition of the Value of Homeownership H Res 1434- A resolution recognizing National Homeownership Month and the importance of homeownership in the United States Reform of Section 8 Programs HR 3045- Section 8 Voucher Reform Act of 2009 Studies on FHA Mortgage Insurance HR 2467- FHA Enhanced Oversight Act of 2009HOU (Housing) Changes to FHA Insurance Programs HR 5981 - A bill to increase the flexibility of the secretary of Housing and Urban Development with respect to the amount of premiums charged for FHA single family housing mortgage insurance, and for other purposes. HR 6256 - A bill to establish a shared equity homeownership pilot program for FHA mortgage insurance. Allowing Homeowners in Foreclosure Proceedings to Remain in their Homes as Renters HR 5028 - Right to Rent Act of 2010 Meetings with HUD on Condo Rules Meetings with FHA on FHA Reform and Loan Limits.

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. 5072, S3704 FHA Reform Act of 2010 H.R. 5981 - Legislation to give HUD secretary flexibility to raise FHA single family mortgage insurance premiums

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 5072, S3704 FHA Reform Act of 2010 H.R. 5981 - Legislation to give HUD secretary flexibility to raise FHA single family mortgage insurance premiums

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

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

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

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

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long term health care, tax reform, taxation of life insurance companies, mortgage insurance and housing; H.R.1, American Recovery and Reinvestment Act of 2009; S.1679, The Affordable Health Choices Act; H.R. 3200, America's Affordable Health Choices Act of 2009; S. 1796, America's Healthy Future Act; H.R.3126, Consumer Financial Protection Agency Act; H.R. 4173, Wall Street Reform and Consumer Protection Act; S.3217, Restoring American Financial Stability Act of 2010; S.697, CLASS Act; H.R. 5981, FHA premiums bill

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5072 and S. 3704, the FHA Reform Act of 2010; H.R. 5981, legislation that would give the HUD Secretary flexibility to raise FHA single family housing mortgage insurance premiums

Client expense: Not reported · Firm income: $240,000

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

Issues affecting mortgage insurance and long-term care insurance H.R.3996-Financial Stability Improvement Act, provisions relating to to risk retention H.R.5981-To Amend the National Housing Act to increase the flexibility of the Secretary of Housing and Urban Development with respect to the amounts of premiums charged for FHA single family housing mortgage insurance, and for other purposes

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Legislation: H.R. 4173 and S. 3217 - Financial Regulatory Reform: Capital Standards, including trust preferred securities and the Collins Amendment; Debit Card Interchange fees, including Federal Reserve fee setting standards, exemptions and the Durbin Amendment; Preemption, including State Attorneys General Authority, Visitation, The Barnett Standard and federal standards; Bank Fees, including funding for the legislation; FDIC Insurance premiums, including higher reserves, the Gutierrez amendment, (cont'd.) and rebates; Fed Governance, including director qualification standards, selection of the New York Fed President; Derivatives, including an end user exemption; Proprietary Trading, including the Volcker Rule; Oversight of FASB and Mark-to-Market accounting standards; FHLB Lending, including loan-to-one-borrower limits; The Consumer Financial Protection Bureau, including exemption from CFPB Examination and Regulation, an appeals process from CFPB rules that interfere with safety and soundness, funding of the CFPB, the definition of "abusive," increased reporting and recordkeeping requirements and mandatory tax compliance reporting; Thrift Charter, including the opportunity for new federal thrifts; State Lending Limits preservation; An exemption from SOX 404(b) for small, public filers; Risk retention for securitized assets; Interest on business checking; De Novo Interstate Branching; Deposit Insurance Limits; Opposition to Usury Limits, Bankruptcy Cramdown, ATM Fee limits; Restoration of Glass-Steagall, Other Fee Restrictions; GAO Audits of the Fed; Restriction on the "Marquette" case; FHA Funding Extension - H.R. 5872; Unlawful Internet Gambling Regulation - H.R.. 2267; Interchange Regulation through the Appropriations Process; Supplemental Education and Medical Appropriations - H.R. 1586; Interstate Taxation - H.R. 1083. Legislation to Extend SBA Loan Authority - H.R. 4938 Flood Insurance Legislation - H.R.4851; H.R.5114; H.R.5569; S.3814 Credit and Debit Card Interchange Fee Restriction Legislation - H.R. 2695 FHA Reform - H.R. 5072; H.R. 5981 Small Business Lending Capital Infusion legislation - H.R. 5297, the Small Business Lending Fund Act, including a proposed Senate amendment on expanded credit union business lending. Regulation: The HAMP Program for mortgage loan modifications; SEC Risk Retention Proposal; FDIC Transaction Account Guarantee Program; FDIC Deposit Insurance Assessments; Fed Amendments to Reg D authorizing term deposits for depository institutions at the Federal Reserve Banks; Unlawful Internet Gambling Act Regulatory Implementation; Federal Reserve Regulations governing overdraft services under Regulations E and DD; Department of Labor Regulation Requiring posting of a notice on union organizing rights by federal contractors; Federal Reserve Board Credit CARD Act implementing regulations, including late fee restrictions and inactivity fee restrictions; CRA amendment on foreclosed property; Federal Bank regulatory agency guidance on incentive compensation. Department of Justice Regulations on Access to ATM machines S.A.F.E. Act Mortgage Loan Originator Registration Use of credit ratings in bank capital standards FDIC Model Safe Accounts Proposal FDIC Overdraft Program Proposal Fed Proposal on escrow accounts for jumbo mortgage loans Fed Proposal on loan origination compensation OCC Proposal on Truth in Savings Reporting for Overdrafts Fed Proposal on Enhanced Consumer Protection for Mortgage Loans Fed Regulation on disclosure of mortgage loan sales FDIC Risk Retention Rules for securitized assets

Client expense: $70,000 · Firm income: Not reported

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