FHA Seller-Financed Downpayment Reform Act of 2009

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3081 - Continuing Appropriations Act - Extended funding for the government, and extended current loan limits for the Government Sponsored Enterprises' and the Federal Housing Administration's loan limits. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied the FHA about instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market. C.A.R. lobbied FHA on the elimination of the spot approval process for FHA condo loans.

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

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)

FHA reauthorization, H.R. 600 and related legislation

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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 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) Meetings with HUD and FHA on conforming loan limits, multifamily housing, and Rural Housing Service Meetings with Department of Agriculture on Rural Housing Service

Client expense: $3,940,000 · 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, 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

FHA reauthorization, H.R. 600 and related legislation

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied the FHA about instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market. C.A.R. lobbied FHA on the elimination of the spot approval process for FHA condo loans.

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

Government targets: Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)

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

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

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

Counsel client with regard to reinstatement of down payment assistance programs; FHA Seller Financed Downpayment Reform Act of 2009, H.R. 600

Client expense: Not reported · Firm income: $10,000

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Vice President of the United States, SENATE

AD&C Lending Issues (no specific bill number), H.R.600: FHA Seller-Financed Down payment Reform Act of 2009, H.R. 1728: Mortgage Reform and Anti-Predatory Lending Act; H.R.4173: Wall Street Reform and Consumer Protection Act

Client expense: $410,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

FHA Prohibition on Seller-funded Downpayment Assistance: H.R. 600 - "FHA Seller-Financed Downpayment Reform Act of 2009" FHA Loan Limit Increase: H.R. 587 - "To increase the loan limits for the FHA single family housing mortgage insurance programs" H.R. 2483 - "Increasing Homeownership Opportunities Act" Studies on FHA Mortgage Insurance: H.R. 2467 - "FHA Enhanced Oversight Act of 2009" Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents: H.R. 3026 - "Hazard Mitigation For All Act of 2009" Grants for Veteran Housing: H.R. 3073 - "A bill to amend title 38, United States Code, to direct the Secretary of Veterans Affairs establish a grant program to provide assistance to veterans who are at risk of becoming homeless." Prevention of Housing Discrimination: H.R. 476 - Housing Fairness Act of 2009 Use of TARP Funds for Homeowner Relief and Affordable Rental Housing: HR 3766: Main Street TARP Act of 2009 FHA Modernization: HR 3146 - "21 Century FHA Housing Act of 2009" FHA Downpayment Requirements: H.R. 3706 - "FHA Taxpayer Protection Act of 2009" Low Income Housing Credits: H.R. 2995 - "Disaster State Housing Recovery Act of 2009" Establishment of a Monument Commemorating Passage of the "Fair Housing Act": H.R. 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." Section 8 Voucher Reform: H.R. 3045 - "Section 8 Voucher Reform Act of 2009" Preservation of affordable housing: H.R. 4868 - "Housing Preservation and Tenant Protection Act of 2010"

Client expense: $4,300,000 · 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 Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, 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), White House Office

H.R. 600, Seller-Financed Downpayment Reform Act of 2009; Mortgage disclosure/HUD's RESPA Rule; H.R. 1728, Mortgage Reform & Anti-Predatory Lending Act; Home Valuation Code of Conduct/Appraisal Issues; H.R. 4173, Wall Street and Consumer Protection Act of 2009; S 3217, "Restoring American Financial Stability Act of 2010"; FHA Reform

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Counsel client with regard to reinstatement of down payment assistance programs; FHA Seller Financed Downpayment Reform Act of 2009, H.R. 600

Client expense: Not reported · Firm income: $10,000

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Vice President of the United States, SENATE

Downpayment Assistance Programs & Affordable Housing: FHA Seller-Financed Downpayment Reform and FHA Modernization Legislation; American Recovery and Reinvestment Act of 2009; HR 600 FHA Seller-Financed Downpayment Reform Act of 2009; First time homebuyer tax credit.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Downpayment Assistance Programs & Affordable Housing: FHA Seller-Financed Downpayment Reform and FHA Modernization Legislation; American Recovery and Reinvestment Act of 2009; HR 600 FHA Seller-Financed Downpayment Reform Act of 2009; First time homebuyer tax credit.

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

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

FHA reauthorization, H.R. 600 and related legislation

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied against the FHA instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market. C.A.R. lobbied against the elimination of the spot approval process for FHA condo loans.

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

Government targets: Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)

H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 H.R. 4173 - Wall Street Reform and Consumer Protection Act of 2009

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

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

HR 1850 and S 1078, specifically provisions related to employer housing benefits; HR 3045, Section 8 Voucher Reform Act of 2009, specifically section 8; HR 1424 and HR 2638, provisions related to foreclosure prevention, down payment assistance, homebuyer education; H.R.600, all provisions; H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009; First time homebuyer tax credit; and, HR 3126, Consumer Financial Protection Act

Client expense: $165,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 600, To revise the requirements for seller-financed down payments for mortgages for single-family housing insured by the Secretary of Housing and Urban Development under title II of the National Housing Act, (the whole bill) Federal Housing Administration

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

FHA and other housing issues; HR 600, FHA Seller-Financed Downpayment Reform Act of 2009

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Downpayment Assistance Programs & Affordable Housing: FHA Seller-Financed Downpayment Reform and FHA Modernization Legislation; American Recovery and Reinvestment Act of 2009; HR 600 FHA Seller-Financed Downpayment Reform Act of 2009; First time homebuyer tax credit.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Downpayment Assistance Programs & Affordable Housing: FHA Seller-Financed Downpayment Reform and FHA Modernization Legislation; American Recovery and Reinvestment Act of 2009; HR 600 FHA Seller-Financed Downpayment Reform Act of 2009; First time homebuyer tax credit.

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

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

H.R. 3126, Consumer Financial Protection Agency; H.R. 600, Seller-Financed Downpayment Reform Act of 2009; Mortgage disclosure/HUD's RESPA Rule; H.R. 1728, Mortgage Reform & Anti-Predatory Lending Act; Home Valuation Code of Conduct/Appraisal Issues; H.R. 4173, Wall Street and Consumer Protection Act of 2009; "Restoring American Financial Stability Act of 2009"

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

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Counsel client with regard to reinstatement of down payment assistance programs; FHA Seller Financed Downpayment Reform Act of 2009, H.R. 600

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Vice President of the United States, SENATE

FHA Prohibition on Seller-funded Downpayment Assistance: H.R. 600 - "FHA Seller-Financed Downpayment Reform Act of 2009" FHA Loan Limit Increase: H.R. 587 - "To increase the loan limits for the FHA single family housing mortgage insurance programs" H.R. 2483 - "Increasing Homeownership Opportunities Act" Studies on FHA Mortgage Insurance: H.R. 2467 - "FHA Enhanced Oversight Act of 2009" Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents: H.R. 3026 - "Hazard Mitigation For All Act of 2009" Grants for Veteran Housing: H.R. 3073 - "A bill to amend title 38, United States Code, to direct the Secretary of Veterans Affairs establish a grant program to provide assistance to veterans who are at risk of becoming homeless." Prevention of Housing Discrimination: H.R. 476 - Housing Fairness Act of 2009 Use of TARP Funds for Homeowner Relief and Affordable Rental Housing: HR 3766: Main Street TARP Act of 2009 HUD, FHA Appropriations HR 3288 - "Making appropriations for the Department of Transportation, Department of Housing and Urban Development, and Certain Independent Agencies, for the fiscal year ending September 30, 2010, and for other purposes." FHA Modernization: HR 3146 - "21 Century FHA Housing Act of 2009" FHA Downpayment Requirements: HR 3706 - "FHA Taxpayer Protection Act of 2009" Community Development Block Grant Assistance: H.R. 2532 - "Community Development Block Grant Improvement Act of 2009" Meetings with FHA/HUD on Changes to FHA Insurance Programs Meetings with HUD, Dept. of Agriculture, & Treasury on Multifamily Housing Issues Meetings with HUD on "Flipping" Houses

Client expense: $5,600,000 · 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 Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, 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), White House Office

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied against the FHA instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market.

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

Government targets: Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)

H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 H.R. 4173 - Wall Street Reform and Consumer Protection Act of 2009

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

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

FHA reauthorization, H.R. 600 and related legislation

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1: American Recovery and Reinvestment Act of 2009, AD&C Lending Issues (no specific bill number), H.R.600: FHA Seller-Financed Down payment Reform Act of 2009, H.R. 1728: Mortgage Reform and Anti-Predatory Lending Act; H.R.4173: Wall STreet Reform and Consumer Protection Act

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

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

H.R. 1: American Recovery and Reinvestment Act of 2009, AD&C Lending Issues (no specific bill number), H.R.600: FHA Seller-Financed Down payment Reform Act of 2009, H.R. 1728: Mortgage Reform and Anti-Predatory Lending Act; H.R.4173: Wall STreet Reform and Consumer Protection Act

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

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

H.R. 1 (P.L. 111-5), American Recovery and Reinvestment Act of 2009 H.R. 600, FHA Seller-Financed Downpayment Reform Act of 2009 H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act H.R. 1247, Protecting Tenants at Foreclosure Act of 2009 H.R.384, To reform the Troubled Assets Relief Program of the Secretary of the Treasury and ensure accountability under such Program. H.R. 1245, Homebuyer Tax Credit Act of 2009 S. 253, Fix Housing First Homebuyer Tax Credit Act S. 312, First-Time Homebuyers' Tax Credit Act of 2009 S. 740, A bill to amend the Internal Revenue Code of 1986 to expand the homebuyer tax credit, and for other purposes. H.R. 101, Economic Recovery Through Responsible Homeownership Act of 2009 H.R. 1105, 2009 Omnibus Appropriations Act H.R. 1081, Post-Katrina Emergency Management Reform Act (PKEMRA) Implementation: An Examination of FEMA's Preparedness and Response Mission H.R. 2336, GREEN Act of 2009 H.R. 1778, Retrofit for Energy and Environmental Performance (REEP) Program Act H.R. 2246, Community Building Code Administration Grant Act of 2009 S.1379, A bill to encourage energy efficiency and conservation and development of renewable energy sources for housing, commercial structures, and other buildings, and to create sustainable communities. S. 896/PL 111-22, Helping Families Save their Homes Act of 2009 H.R. 3068, TARP for Main Street Act of 2009 H.R. 3045, Section 8 Voucher Reform Act of 2009 H.R. 3288, Transportation/HUD Appropriations H.R. 4173, Wall Street Reform and Consumer Protection Act of 2009 H.R. 476, The Housing Fairness Act of 2009 H.R. 3527, FHA Multifamily Loan Limit Adjustment Act of 2009

Client expense: $490,000 · Firm income: Not reported

Government targets: Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), SENATE, Treasury, Dept of

H.R. 1: American Recovery and Reinvestment Act of 2009, AD&C Lending Issues (no specific bill number), H.R.600: FHA Seller-Financed Down payment Reform Act of 2009, H.R. 1728: Mortgage Reform and Anti-Predatory Lending Act

Client expense: $750,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Downpayment Assistance Programs & Affordable Housing: FHA Seller-Financed Downpayment Reform and FHA Modernization Legislation; American Recovery and Reinvestment Act of 2009; HR 600 FHA Seller-Financed Downpayment Reform Act of 2009; First time homebuyer tax credit.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Downpayment Assistance Programs & Affordable Housing: FHA Seller-Financed Downpayment Reform and FHA Modernization Legislation; American Recovery and Reinvestment Act of 2009; HR 600 FHA Seller-Financed Downpayment Reform Act of 2009; First time homebuyer tax credit.

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

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

FHA Prohibition on Seller-funded Downpayment Assistance: H.R. 600 - "FHA Seller-Financed Downpayment Reform Act of 2009" FHA Loan Limit Increase: H.R. 587 - "To increase the loan limits for the FHA single family housing mortgage insurance programs" H.R. 2483 - "Increasing Homeownership Opportunities Act" Studies on FHA Mortgage Insurance: H.R. 2467 - "FHA Enhanced Oversight Act of 2009" Providing Pre-disaster Mitigation Agreements for Public and Assisted Housing Residents: H.R. 3026 - "Hazard Mitigation For All Act of 2009" Grants for Veteran Housing: H.R. 3073 - "A bill to amend title 38, United States Code, to direct the Secretary of Veterans Affairs establish a grant program to provide assistance to veterans who are at risk of becoming homeless." Prevention of Housing Discrimination: H.R. 476 - Housing Fairness Act of 2009 Preservation of Assisted Rural Multifamily Housing: H.R. 2876 - "Rural Housing Preservation Act of 2009" HUD, FHA Appropriations HR 3288 - "Making appropriations for the Department of Transportation, Department of Housing and Urban Development, and Certain Independent Agencies, for the fiscal year ending September 30, 2010, and for other purposes." FHA Modernization: HR 3146 - "21 Century FHA Housing Act of 2009" Loan limits for high-rise condo development: H.R. 3527 - "FHA Multifamily Loan Limit Adjustment Act of 2009" Meetings with HUD/FHA, FHFA on Condominium Rules Letter to HUD on Affordable Housing

Client expense: $4,220,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

FHA and other housing issues; HR 600, FHA Seller-Financed Downpayment Reform Act of 2009

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1850 and S 1078, specifically provisions related to employer housing benefits; HR 3045, Section 8 Voucher Reform Act of 2009, specifically section 8; HR 1424 and HR 2638, provisions related to foreclosure prevention, down payment assistance, homebuyer education; H.R.600, all provisions; H.R. 1728, the Mortgage Reform and Anti-Predatory Lending Act of 2009; First time homebuyer tax credit; and, HR 3126, Consumer Financial Protection Act

Client expense: $165,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 600: To revise the requirements for seller-financed down payments for mortgages for single-family housing insured by the Secretary of Housing and Urban Development under title II of the National Housing Act (the whole bill) Federal Housing Administration

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

H.R. 3126 Consumer Financial Protection Agency; H.R. 600 Seller-Financed Downpayment Reform Act of 2009; Mortgage Disclosure/HUD's RESPA Rule; H.R. 1728 Mortgage Reform & Anti-Predatory Lending Act; Home Valuation Code of Conduct/Appraisal issues.

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

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Counsel client with regard to reinstatement of down payment assistance programs; FHA Seller Financed Downpayment Reform Act of 2009, H.R. 600

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

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Vice President of the United States, SENATE

FHA reauthorization, H.R. 600 and related legislation

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1 (P.L. 111-5), American Recovery and Reinvestment Act of 2009 H.R. 600, FHA Seller-Financed Downpayment Reform Act of 2009 H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act H.R. 1247, Protecting Tenants at Foreclosure Act of 2009 H.R.384, To reform the Troubled Assets Relief Program of the Secretary of the Treasury and ensure accountability under such Program. H.R. 1245, Homebuyer Tax Credit Act of 2009 S. 253, Fix Housing First Homebuyer Tax Credit Act S. 312, First-Time Homebuyers' Tax Credit Act of 2009 S. 740, A bill to amend the Internal Revenue Code of 1986 to expand the homebuyer tax credit, and for other purposes. H.R. 101, Economic Recovery Through Responsible Homeownership Act of 2009 H.R. 1105, 2009 Omnibus Appropriations Act H.R. 1081, Post-Katrina Emergency Management Reform Act (PKEMRA) Implementation: An Examination of FEMA's Preparedness and Response Mission "Examining the Making Home Affordable Program" H.R. 2336, GREEN Act of 2009 H.R. 1778, Retrofit for Energy and Environmental Performance (REEP) Program Act H.R. 2246, Community Building Code Administration Grant Act of 2009 S.1379, A bill to encourage energy efficiency and conservation and development of renewable energy sources for housing, commercial structures, and other buildings, and to create sustainable communities. Housing Preservation and Tenant Protection Act of 2009 S. 896/PL 111-22, Helping Families Save their Homes Act of 2009 H.R. 3068, TARP for Main Street Act of 2009 H.R. 3045, Section 8 Voucher Reform Act of 2009 H.R. 3288 Transportation/HUD Appropriations

Client expense: $346,000 · Firm income: Not reported

Government targets: Consumer Product Safety Commission (CPSC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Economic Council (NEC), SENATE, Treasury, Dept of

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 230 - Housing Opportunity and Mortgage Equity Act of 2009 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 527 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 787 -Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. Eliminates the requirement to certify that there has been no intentional default on any other debt. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 1285 - To establish the Commission on the Foreclosure and Mortgage Lending Crisis. H.R. 1295 - To mitigate mortgage foreclosures, facilitate and include fairness in housing recovery, and combat mortgage fraud, and for other purposes. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. S. 3 - Homeowner Protection and Wall Street Accountability Act of 2009 - Expresses the sense of Congress that Congress should enact, and the President should sign, legislation to: (1) stabilize the housing market and assist homeowners by imposing a temporary moratorium on foreclosures, removing impediments to the modification of distressed mortgages, creating tax and other incentives to help prevent foreclosures and encourage refinancing into affordable and sustainable mortgage solutions, and pursuing other foreclosure-prevention policies through the Troubled Asset Relief Program (TARP) or other programs S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit. S. 117 - Foreclosure Rescue Fraud Act of 2009 - Prohibits a foreclosure consultant from: (1) receiving compensation from a homeowner for services performed regarding residential real property until such consultant has fully performed each service contracted for; (2) holding power of attorney from any homeowner, except to inspect documents; (3) receiving consideration from a third party in connection with services rendered to a homeowner regarding the foreclosure, unless such consideration is fully, clearly, and conspicuously disclosed before such services are rendered; (4) accepting any security to secure compensation for services rendered regarding foreclosure of the residential real property; or (5) acquiring any interest in the residence of a homeowner with whom the consultant has contracted. C.A.R. lobbied against the GSE Housing Valuation Code of Conduct that was agreed to by Fannie Mae, Freddie Mac, and the NY Attorney General.

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

Government targets: Environmental Protection Agency (EPA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)

HR 600 - FHA Seller-Financed Downpayment Reform Act of 2009

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

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