Responsible Consumer Financial Protection Regulations Act of 2011

S. 737, the Responsible Consumer Financial Protection Regulations Act of 2011 (all provisions) H.R. 1121, the Responsible Consumer Financial Protection Regulations Act of 2011 (all provisions)H.R. 1315, the Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (all provisions) H.R. 1667, the Bureau of Consumer Financial Protection Transfer Clarification Act (all provisions)

Client expense: $2,500,000 · Firm income: Not reported

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

H.R. 1838-Repeal of provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R. 3283-Swap Jurisdiction Certainty Act; J.R. 2779-Exemption of inner-affiliate swaps from Dodd-Frank regulatory requirements; S. 2224-Bill that addresses implementation of certain prohibitions under the Bank Holding Company Act of 1956; H.R. 3156-Consumer Debit Card Protection Act; H.R. 940 and S. 1835-United State Covered Bond Act; H.R. 4014 and S. 2099-Amendments to Federal Deposit Insurance Act;H.R. 1121 and S. 737-Responsible Consumer Financial Protection Regulations Act; H.R. 2568 and S.1506-To prevent the Secretary of the Treasury from expanding United States bank reporting requirements with respect to interest on deposits paid to nonresident aliens; H.R. 1418 and S. 509-Small Business lending Enhancement Act; S. 2231 Amendment to Federal Credit Union Act; H.R. 4367-Amend the Electronic Fund Transfer Act to limit the fee disclosure requirement; S. 3204-Bill to address fee disclosure requirements under the Electronic Fund Transfer Act; Basel III Capital Standards proposal from Federal Reserve Board; Volker Rule proposal from Federal Reserve Board.

Client expense: $150,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Support the creation of a strong, independent Consumer Financial Protection Bureau. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed. Oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date .Support Dr. Elizabeth Warren for Director of the nascent CFPB. Support merger between AT & T and T-Mobile. Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Oppose H.R. 3035, the Mobile Informational Call Act of 2011. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requires that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Oppose legislation which would impose unprecedented burdens on parties in cases involving a wide array of federal protections in areas such as environmental, consumer, health care, and civil rights laws. Oppose H.R. 3041, H.R. 3862, and H.R. 1996. Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support requiring the FDA to report on the availability of new drug and device safety and efficacy data by sex, age, and racial and ethnic subgroups. Advocated that the United States use its stature and position to have the NAACP policy agenda included in any and all relevant United Nations' treaties and other compliance documents.

Client expense: $62,500 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Bureau of Indian Affairs (BIA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Bureau of Investigation (FBI), 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), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Park Service (NPS), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Continued and strengthened enforcement of Fair Housing Laws; equal access to adequate and affordable housing for all Americans. Support H.R. 284. End homelessness. Support full funding for the Affordable Housing Trust Fund . Oppose the elimination of housing counseling funds in H.R. 1437, funding for fiscal year 2011. End the mortgage foreclosure crisis. Ensure adequate housing for low-income veterans. Support increase in funding for the FHIP (Fair Housing Initiatives Program) and FHAP (the Fair Housing Assistance Program) programs. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Strong support for the National Housing Trust Fund and for federal funding of this program. Oppose H.R. 2441. Support the federal government placing a moratorium on home foreclosures until a thorough review can establish which ones are being made in error. Support National Homeownership Month. Support keeping responsible and affordable mortgage credit flowing to all neighborhoods and to all qualified borrowers, stopping wrongful foreclosures, and support the development of affordable rental homes close to good schools and quality jobs. Increase / restore money for the HUD housing counseling program. Support Senator Sherrod Brown's amendment to HR 2112 to provide $87.5 million for HUD's housing counseling programs. Support funding for the Fair Housing Initiatives Program (FHIP) and the Fair Housing Assistance Program (FHAP). Support a strong HUD regulation on Affirmatively Furthering Fair Housing as well as a regulation from HUD on disparate impact and getting the regulations out and available for comment soon. Contact the Federal Housing Finance Agency (and others) in support of risk retention as defined in the Dodd-Frank bill but opposed to a high downpayment to qualify for a Qualified Residential Mortgage (QRM). Contact the FHFA in support of a more robust federal response to the foreclosure crisis, including banning the two track system whereby homeowners facing foreclosure who are trying to modify their loan also find their foreclosure proceeding moving ahead. Outlaw Robosigning and remedy homeowners adversely affected by the practice, in which many servicers did not even read the foreclosure documents they were signing. Principal reductions should be provided in both the federal governments home loan modification programs and each financial institutions private loan modification programs. They should include heightened loss-mitigation standards. Finally, they should also include a forbearance program to help unemployed homeowners. Support a strong HUD regulation on sexual harassment. Support extending the deadline for HUD EHLP program, or at least allowing people with their applications in an extension for getting the remainder of their information & paperwork submitted. Support a strong settlement to the legal actions under discussion, and one that leaves open the path for further needed actions to hold lawbreakers accountable in the matter of the states Attorneys General and the Federal Government versus various financial institutions for breaking the law in terms of mortgages. Support the majority of the HUD Disparate Impact Regulation issued late 2011. Support HUD and the US Department of Justice conducting a thorough investigation of housing discrimination in Alabama as a result of the enactment of HB 56 and move swiftly to enforce the Fair Housing Act when violations are found. Support funding for the U. S. Department of Housing and Urban Developments (HUD) Housing Counseling Program at $60 million in FY 2012. Support an increase in the federal investment in our hometowns transportation, affordable housing, community development, and job creation efforts by increasing the 302(b) allocation to the Subcommittee on Transportation, Housing and Urban Development, and Related Agencies (THUD) to the highest possible level in fiscal year (FY) 2013. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.) Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). Support Helping Homeowners Refinance Act of 2012, S. 2072 Oppose the faith-based initiatives included in the "Interim Rule on Homeless Emergency Assistance and Rapid Transition to Housing: Emergency Solutions Grants Program and Consolidated Plan Conforming Amendments issued by the U.S. Department of Housing and Urban Development. Support the burden of proof in housing discrimination cases under HUD's proposed Fair Housing Acts Discriminatory Effect Standard should be assigned to the defendant or respondent to show that there is no less discriminatory alternative. Support that HUD revise the proposed rule to impose the burden on the defendant/respondent in the final step of the disparate impact analysis Support the settlement between the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support HUD Housing Counseling programs in FY 2013; oppose Broun / support Capps amendments to H.R. 5972 Express concern over delays in the issuance of Title VI regulations governing the Low Income Housing Tax Credit (LIHTC); express strong support for the concept that the LIHTC constitutes federal financial assistance for purposes of Title VI; stress that there are important benefits in protecting the civil rights of current and future residents of LIHTC developments. Support HUD issuing a proposed regulation as soon as possible regarding sexual harassment and other types of harassment covered by the Fair Housing Act, and to finalize that regulation by the end of this year. Strong support for HUDs proposed implementation of the Fair Housing Acts discriminatory effects standard as quickly as possible. Support the Neighborhood Reinvestment Corporation in FY 2013; oppose Broun amendment to H.R. 5972 Support the HUD Office of Fair Housing and Equal Opportunity in FY 2013; oppose Broun amendment to H.R. 5972 Support public housing in FY 2013; oppose Broun amendment to H.R. 5972 Support HUD Office of Public and Indian Housing in FY 2013; oppose Broun amendment to H.R. 5972 Oppose amendment by Congressman Garrett (NJ) to H.R. 5972, Fiscal 2013 spending for the Departments of HUD and Transportation which would bar HUD from spending any funds to promulgate or enforce its disparate impact rule under the 1968 Fair Housing Act. Support the CFPB following Dodd Franks structure and language and adopt a rebuttable presumption for mortgages that count as a Qualified Mortgage. Support S. 3494, the Housing for Homeless Students Act. Advocated that the United States use its stature and position to have the NAACP policy agenda included in any and all relevant United Nations' treaties and other compliance documents.

Client expense: $62,500 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Bureau of Indian Affairs (BIA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Bureau of Investigation (FBI), 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), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Park Service (NPS), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Oppose "vulture funds". Support debt relief for poor nations, a.k.a. the Jubilee Act. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA),. Support efforts to eliminate predatory loans. Oppose exploitative payday loans; Support 36% interest rate cap; . Oppose federal preemption of state consumer financial protection laws. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Express grave concerns about proposed rules for risk-based pricing rule. Strengthening the proposed rule for holding servicers accountable for illegal deeds. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Support keeping responsible and affordable mortgage credit flowing to all neighborhoods and to all qualified borrowers, stopping wrongful foreclosures, and support the development of affordable rental homes close to good schools and quality jobs Support a more thorough investigation into the Capital One /ING merger. Support extending the public comment period on the merger as well as five public hearings around the country. Oppose potential employers reviewing a potential employees credit report / credit score prior to making any hiring decision. Support HR 321. Support sensible, non-exploitative mortgage lending. Adopt a qualified mortgage standard that will not shut out prospective minority homeowners. Support Richard Cordray to be Director of the Consumer Financial Protection Bureau. Contact the Federal Housing Finance Agency (and others) in support of risk retention as defined in the Dodd-Frank bill but opposed to a high downpayment to qualify for a Qualified Residential Mortgage (QRM). Contact the FHFA in support of a more robust federal response to the foreclosure crisis, including banning the two track system whereby homeowners facing foreclosure who are trying to modify their loan also find their foreclosure proceeding moving ahead. Outlaw Robosigning and remedy homeowners adversely affected by the practice, in which many servicers did not even read the foreclosure documents they were signing. Principal reductions should be provided in both the federal governments home loan modification programs and each financial institutions private loan modification programs. They should include heightened loss-mitigation standards. Finally, they should also include a forbearance program to help unemployed homeowners. Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support the Reed (RI) amendment to S. 1867 which closed a loophole allowing payday lenders to charge members of the military more than 36% for short-term loans. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the account holder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Urge the Consumer Financial Protection Bureau (CFPB) to define "larger participants" among dect collectors and consumer reporting agencies broadly, yet in a manner that does not allow companies to evade review. Also encouraged the CFPB to examine all of an entities' consumer financial products and services. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requires that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.). Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement between the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel. Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support the prohibition of overdraft fees and credit on Prepaid Cards (letter to the CFPB). Oppose H.R. 6139, the National Consumer Credit Corporation Charter and Consumer Access Innovation Act of 2012, and any similar legislation that may be introduced. Oppose all proposals to weaken the structure, powers or funding of the Consumer Financial Protection Bureau, including the proposal which would eliminate the Consumer Financial Protection Bureaus (CFPB) independence by making it the only bank regulatory agency placed under the appropriations process. Oppose Urban Trust Bank from partnering with the payday lender CheckSmart (formerly known as Buckeye Check Cashing) and Insight Card Services, LLC to help CheckSmart evade state usury and payday loan laws by making payday loans on prepaid cards. As the CFPB defines the entities that will be subject to examination in this and future rulemakings, it should define larger broadly, prevent evasions by including counting the revenues of affiliated companies and also firms that act as agents or are under contract to another firm, and examine all of an entitys consumer financial products and services even if it is a larger participant in just one market. Strongly support H.R. 2086 and S. 2149, the Medical Debt Responsibility Act Support extending mortgage protections under the Servicemember Civil Relief Act. Support the Cummings (MD) amendment to HR 4310. Support that the Consumer Financial Protection Bureau develop and promulgate adequate mortgage servicing rules that will cover the range of market participants, make the needed changes, last beyond individual time-limited programs, and be effectively enforceable (urge the CFPB to amend current proposed rules). Support the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2012 (S. 3426 / H.R. 6483), which requires all on-line small-dollar lenders (such as payday lenders) to comply with state law if it provides better consumer protections than federal law; prevents national banks and federal savings and loans from making payday loans in violation of the state law where the consumer resides; provides new federal enforcement measures to protect consumers from online payday lenders that seek to evade state consumer protection laws, such as by locating their businesses off-shore, or affiliating with a Native American Tribe and claiming the right to assert the tribes sovereign immunity; empowers Tribes to enlist the help of the CFPB where needed to protect their members from abusive payday lending on the reservation, and respecting tribal laws that provide stronger consumer protections than are available under state law; closes the single payment loophole in the Electronic Fund Transfer Act and extending consumer control over electronic payment of credit to all loans; safeguards consumer data by banning lead generators who traffic in payday loan application information via marketing websites, and prohibiting them from anonymously collecting sensitive consumer data; and stops lenders from using borrowers bank account details to create unsigned checks used to withdraw funds, even when consumers have exercised their federal rights against compulsory electronic payment of credit under the Electronic Fund Transfer Act. Support S. 3452 to impose a federal usury cap on credit while permitting states to set lower rates. Oppose the inclusion of any down payment requirement as part of the Qualified Residential Mortgage (QRM) standard. Oppose H.R. 1909, Federal Financial Services and Credit Companies Charter Act of 2011. Support a prohibition on overdraft fees and any form of credit on pre-paid credit cards. Advocated that the United States use its stature and position to have the NAACP policy agenda included in any and all relevant United Nations' treaties and other compliance documents. Support the inclusion of a public database as an integral part of the CFPB complaint process. Support S 3452, Protecting Consumers from Unreasonable Credit Rates Act of 2012". Support HR 6483 / S. 3426, the Stopping Abuse and Fraud in Electronic Lending Act of 2012 or SAFE Lending Act of 2012. Oppose the Federal Charter for Payday Lenders bill, H. R. 6139. Expressed concern that the loss mitigation provisions included in the CFPB's proposed servicing regulations , including but not limited to the provisions on dual track, are inadequate to solve the servicing problems that cause unnecessary foreclosures and which are imposing profound and damaging costs on households, neighborhoods and our economy as a whole. We are also seriously concerned about the limits of the error resolution rules. Support S. 3085, The Responsible Homeowner Refinancing Act of 2012, oppose an amendment to that bill that would provide a so-called safe harbor under the Qualified Mortgage (QM) rules currently being drafted by the Consumer Financial Protection Bureau

Client expense: $62,500 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Bureau of Indian Affairs (BIA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Bureau of Investigation (FBI), 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), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Park Service (NPS), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Eliminate predatory lending; ensure equal access to financial services to all Americans. Eliminate disparities in credit reporting. Ease home mortgage foreclosure crisis. Eliminate pay day lending. Support capping all interest rates at 36% APR. Support a strong, responsive Consumer Financial Protection Bureau. Reform the mortgage servicers industry so that more loans are modified and fewer homes are foreclosed upon. Try to stop abusive credit card practices. Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Oppose exploitative payday lending. Support efforts to eliminate predatory lending. Support reauthorization, modernization and expansion of the Community Reinvestment Act (CRA). oppose the elimination of funding for HUD's housing counseling programs. Support financial literacy programs. Support a ban on the use of credit reports by potential employers. Support Dr. Elizabeth Warren to be the first Director of the Consumer Financial Protection Bureau. Oppose H.R. 839, terminating the HAMP program; oppose H.R. 861, terminating HUD's Neighborhood Stabilization Program; oppose H.R. 836, terminating HUD's emergency Mortgage Relief program; oppose H.R. 830, terminating the FHA Refinance Program. Support a strong Consumer Financial Protection Bureau, which begins its activities as soon as possible. Oppose H.R. 1121; oppose H.R. 1315; oppose legislation intended to delay regulatory authority of the CFPB until a Director is confirmed; oppose legislation removing the prudential regulators ability to allow the CFPB to participate in examinations of large financial institutions before the designated transfer date. Support pro-consumer changes to the GSEs (Fannie Mae and Freddie Mac). Oppose a piecemeal approach to reforming Fannie Mae and Freddie Mac ("the GSEs"). Support a comprehensive approach to housing finance reform that will further the federal governments housing policy objectives of promoting residential integration, eliminating housing discrimination, and providing safe, decent, and affordable housing for all. Oppose delaying regulations limiting fees charged to merchants by issuers of debit cards. Support a flexible and inclusive definition of "larger participants" by the Consumer Financial Protection Bureau (participated in a CFPB roundtable discussion on the issue). Express grave concerns about the promulgation of the Dodd-Frank Credit Score disclosure requirement. Oppose potential employers reviewing a potential employee's credit report or credit score prior to making a hiring decision. Support HR 321 Support strong action by the Consumer Financial Protection Bureau in protecting consumers from abusive checking account policies. Support allowing consumers to transfer banking accounts to a different institution with little or no monetary repercussion. Support HR 3077. Support Richard Cordray as Director of the Consumer Financial Protection Bureau (CFPB). Support significantly strengthening the Office of the Comptroller of the Currencys (OCC) proposed guidance on overdraft programs and deposit advance products in such a way that all customers receive the lowest cost credit for which they qualify, and national banks are encouraged to offer responsible overdraft and credit products. Support a study of the regulation of interchange fees but oppose a delay in the implementation of the Durbin amendment to Dodd-Frank. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requires that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. Support a strong settlement to the legal actions under discussion, and one that leaves open the path for further needed actions to hold lawbreakers accountable in the matter of the states Attorneys General and the Federal Government versus various financial institutions for breaking the law in terms of mortgages. Supported the Consumer Financial Protection Bureau (CFPB) take strong steps to stop checking account abuses. Specifically, we asked that the CFPB: Require information on important checking account terms to be disclosed in a one-page Consumer Choice Box; Require complete disclosure of all overdraft options; Require reasonable and proportional overdraft fees; Require the posting of deposits and withdrawals in a neutral manner; and Examine the prevalence of dispute resolution clauses in checking account agreements and the existence of fee shifting provisions that require the account holder to pay at least a portion of the banks costs when a dispute occurs. Support a two-month extension of the comment period to allow the Federal Reserve Board to hold a formal hearing and public meetings in at least five cities about Capital Ones proposed acquisition of Bank Nevada, N.A. Oppose H.R. 3035, the Mobile Informational Call Act of 2011, Support the CFPB adopting a definition of the Qualified Mortgage that covers the vast majority of the marketplace, so that most mortgage borrowers have the benefit of the strongest protections. Oppose any narrowing of the definitions of consumer or credit that are subject to Equal Credit Opportunity Act to match the narrower definitions in the Truth in Lending Act (TILA) or other statutes. (We also oppose narrowing the coverage of TILA or the Real Estate Settlement Procedures Act.) Oppose expanding exemptions to the data reporting requirements of Regulation C under the Home Mortgage Disclosure Act (HMDA). The CFPB should not weaken the rule that credit card issuers must consider the consumers independent ability to pay and cannot, as a general matter, rely solely on household income. Support Helping Homeowners Refinance Act of 2012, S. 2072 Support federal regulators of our nations banks to take immediate action to stop banks from making unaffordable, high-cost payday loans. Support inclusion of consumer narratives be in the CFPB's credit card complaint database. Support the settlement between the States' Attorneys Generals and several financial institutions regarding robosigning and foreclosures. Support the settlement between U.S. Department of Justice and Bank of America over Countrywide's discriminatory mortgage lending practices. Support Leon Russell to serve on the CFPB Advisory Panel. Supported access to individual complaints, as well as data collection as to who is making the complaints, to the CFPB (while putting key protections in place to ensure individual privacy). Oppose the Red Tape Reduction and Small Business Job Creation Act" (H.R. 4078), which includes the Regulatory Freeze For Jobs Act, the Midnight Rule Relief Act of 2012" (H.R. 4607), and the Sunshine for Regulatory Decrees and Settlements Act of 2012 (H.R. 3862), among other harmful bills. Support the prohibition of overdraft fees and credit on Prepaid Cards (letter to the CFPB). Oppose H.R. 6139, the National Consumer Credit Corporation Charter and Consumer Access Innovation Act of 2012, and any similar legislation that may be introduced. Oppose all proposals to weaken the structure, powers or funding of the Consumer Financial Protection Bureau, including the proposal which would eliminate the Consumer Financial Protection Bureaus (CFPB) independence by making it the only bank regulatory agency placed under the appropriations process. Oppose Urban Trust Bank from partnering with the payday lender CheckSmart (formerly known as Buckeye Check Cashing) and Insight Card Services, LLC to help CheckSmart evade state usury and payday loan laws by making payday loans on prepaid cards. Support that the Consumer Financial Protection Bureau develop and promulgate adequate mortgage servicing rules that will cover the range of market participants, make the needed changes, last beyond individual time-limited programs, and be effectively enforceable (urge the CFPB to amend current proposed rules). Support that the Consumer Financial Protection Bureau develop and promulgate adequate mortgage servicing rules that will cover the range of market participants, make the needed changes, last beyond individual time-limited programs, and be effectively enforceable (urge the CFPB to amend current proposed rules). Support the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2012 (S. 3426 / H.R. 6483), Support S 3452, Protecting Consumers from Unreasonable Credit Rates Act of 2012" Oppose the inclusion of any down payment requirement as part of the Qualified Residential Mortgage (QRM) standard. Oppose H.R. 1909, Federal Financial Services and Credit Companies Charter Act of 2011. Advocated that the United States use its stature and position to have the NAACP policy agenda included in any and all relevant United Nations' treaties and other compliance documents. Support S. 3085, The Responsible Homeowner Refinancing Act of 2012, oppose an amendment to that bill that would provide a so-called safe harbor under the Qualified Mortgage (QM) rules currently being drafted by the Consumer Financial Protection Bureau.

Client expense: $62,500 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Bureau of Indian Affairs (BIA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Aviation Administration (FAA), Federal Bureau of Investigation (FBI), 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), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Park Service (NPS), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), Voice of America, White House Office

Dodd-Frank Wall Street Reform and Consumer Protection Act; Qualified mortgage issues; S. 3085 Responsible Homeowners Re-Financing Act of 2012; H.R. 4348, Flood insurance issues, H.R. 8 H.R. 1221, Equity in Government Compensation Act of 2011; the Market Transparency and Taxpayer Protection Act; H.R. 1859, Housing Finance Reform Act of 2011; H.R. 2441, Housing Trust Fund Elimination Act of 2011; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Removing GSEs Charters During Receivership Act of 2011; H.R. 2462, Cap the GSE Bailout Act of 2011; Market Transparency and Taxpayer Protection Act of 2011; H.R. 3644, Private Mortgage Market Investment Act; H.R. 1121, the Responsible Consumer Financial Protection Regulation Act of 2011; H.R. 1315, the Responsible Consumer Financial Safety and Soundness Act of 2011; FY 2013 THUD appropriations, H.R. 4014: To amend the Federal Deposit Insurance Act; S. 2099: A bill to amend the Federal Deposit Insurance Act; GSE reform issues, GSE g-fee issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; interchange issues; H.R. 1697, Communities First Act, H.R. 1121, the Responsible Consumer Financial Protection Regulation Act of 2011; H.R. 1315, the Responsible Consumer Financial Safety and Soundness Act of 2011; S. 2231; House Financial Services Approps FY-2013-TAG issues

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Please see addendum. H.R. 31-Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act, all provisions H.R. 463, Fannie Mae and Freddie Mac Transparency Act, all provisions H.R. 1081, Consumer Payment System Payments Act, all provisions H.R. 1121-Responsible Consumer Financial Protection Regulations Act of 2011, all provisions H.R. 1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act. H.R. 1221-Equity in Government Compensation Act of 2011, all provisions H.R. 1222-GSE Subsidy Elimination Act of 2011, all provisions H.R. 1223, GSE Credit Rish Equitable Treatment Act, all provisions H.R. 1224-Portfolio Risk Reduction Act of 2011, all provisions H.R. 1225-GSE Debt Issuance Approval Act of 2011, all provisions H.R. 1226-GSE Mission Improvement Act of 2011, all provisions H.R. 1227-GSE Risk and Activities Limitation Act of 2011, all provisions H.R. 1309-Flood Insurance Reform Act, all provisions H.R. 1315-Consumer Financial Protection Safety and Soundness Improvement Act of 2011, all provisons H.R. 1418-Small Business Lending Enhancement Act, all provisions H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act, all provisions H.R. 1697, Communities First Act, all provisions H.R. 1723, the Common Sense Economic Recovery Act, all provisions H.R. 1754, Preserving Equal Access to Mortgage Finance Programs, all provisions H.R. 1859, Housing Finance Reform Act, all provisions H.R. 1965, to amend the securities laws to establish certain thresholds for shareholders, all provisions H.R. 2413, the Secondary Market Facility or Residential Mortgage Act, all provisions H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act, all provisions H.R. 2439, Removing GSE Charters During Receivership Act, all provisions H.R. 2462, Cap the GSE Bailout Act, all provisions H.R. 2930, the Entrepreneur Access to Capital Act, all provisions H.R. 3461, the Financial Institution Examination Fairness and Reform Act, all provisions H.R. 3336, the Small Business Credit Availability Act, all provisions H.R. 3606, the Jumpstart Our Business Startups Act, Title VI, provisions related to shareholder threshold for registration H.R. 3630, the Middle Class Tax Relief and Job Creation Act, provisions related to the National Flood Insurance Program and provisions related to mortgage fees and premiums H.R. 3993, Capital Access for Small Business Jobs Act, all provisions H.R. 4014, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, all provisions. H.R. 4217, Mutual Community Bank Competitive Equality Act, all provisions H.R. 4323, the Consumer Mortgage Choice Act, all provisions H.R. 4367, related to ATM fee disclosure requirements, all provisions H.R. 4348, MAP-21 Act, Title II, provisions related to the National Flood Insurance Program and issues related to interchange fee regulation and the study therof by various federal agencies H.R. 5740, National Flood Insurance Program Extension Act, all provisions H.R. 5817, Eliminate Privacy Notice Confusion Act, all provisions H.R. 6125, a bill to amend the Federal Deposit Insurance Act and the Federal Credit Union Act with respect to privilege of information provided to Federal and State agencies, and for other purposes, all provisions S. 170, the Helping Responsible Homeowners Act, all provisions S. 509, Small Business Lending Enhancement Act, all provisions S. 575, Debit Interchange Fee Study Act, all provisions S. 967, the Regulation of Mortgages Servicing Act, all provisions S. 1151, Personal Data Privacy and Security Act, provisions related to entities covered by the Gramm-Leach Bliley Act. S. 1207, the Data Security and Breach Notification Act, all provisions S. 1408, Data Breach Notification Act of 2011, all provisions S. 1434, Data Security Act of 2011, all provisions S. 1535, Personal Data Protection and Breach Accountability Act, all provisions S. 1600, Communities First Act, all provisions S. 1615, Financial Regulatory Responsibility Act, all provisions S. 556, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1549, the American Jobs Act, amendments related to credit union member business lending S. 1660, the American Jobs Act, amendments related to credit union member business lending. S. 1824, the Private Company Flexibility and Growth Act, all provisions S. 1940, an original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes, all purposes. S. 1941, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1958, a bill to extend the National Flood Insurance Program until May 31, 2012, all provisions S. 2105, Cybersecurity Act of 2012, all provisions S. 2111, the Cyber Crime Protection Security Act, all provisions S. 2160, the Financial Institution Examination Fairness and Reform Act, all provisions S. 2231, Small Business Lending Enhancement Act, all provisions S. 2344, a bill to extend the National Flood Insurance Program until December 31, 2012, all provisions S. 3085, the Responsible Homeowner Refinancing Act, all provisions S. 3204, related to ATM fee disclosure requirements, all provisions S. 3571, a bill to require the Bureau of Consumer Financial Protection to conduct a small business panel on the Qualified Mortgage rule before it can go forward with a rule, all provisions S. 3637, a bill to extend the Transaction Account Guarantee Program S. 3709, a bill to require a Government Accountability Office examination of transactions between large financial institutions and the Federal Government Lucas Amendment to H. R. 1309, related to force placed insurance S. Amdt 267 to S. 495, related to debit interchange fee study, all provisions S. Amdt 242 to S. 495, related to credit union business lending, all provisions S. Amdt 392 to S. 782, related to debit interchange fee regulation, all provisions Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to the definition of "Swap Dealer" and the Swaps End User Exemption. Implementation of Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to debit interchange fee regulation Issues related to the NCUA's proposed rule related to credit union service organizations Issues related to mobile banking and mobile payments Issues related to the vacancy on the National Credit Union Administration Board Issues related to the NCUA Rule on Net Worth and Bargain Purchase Agreements Issues related to the proposed CFPB form on RESPA/TILA Issues related to the Regulation of Regulation Z/Multi-Feature Open-End Lending Issues related to Credit Union field of membership Issues related to Credit Union Service Organizations (CUSO) Issues related to credit union operations Issues related to National Credit Union Administration examination procedures Issues related to Financial Accounting Standards Board Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to Mark-to-Market accounting Issues related to NCUA's Statute of Limitations Proposal Issues related to credit union indemnification, golden parachutes and other benefits Issues related to data security and cyber security Issues related to NCUAs proposed rule regarding loan participations Issues related to private equity standards Issues related to NCUAs regulation regarding its Regulatory Flexibility Program Issues related to overdraft protection programs and check ordering practices House Financial Services Committee Draft bill entitled the Private Mortgage Market Investment Act, all provisions Issues related to the FDIC's Transaction Account Guarantee Program Issues related to the NCUSIF's Transaction Account Guarantee Program Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the Rural Utility Services proposed loan program for energy efficiency Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to reverse mortgages Issues related to troubled debt restructuring Issues related to NCUA's low income credit union designation Issues related to the oversignt of the Federal Housing Administration Issues related to material loss reports of the National Credit Union Administration Office of Inspector General

Client expense: $1,407,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

HR 940, S 1016, HR 1610, HR 1355, HR 1640, HR 1667, HR 6317, HR 1315, HR 1539, HR 2612, HR 2682, HR 2779, HR 3044, HR 527, HR 557, S 1615, S 3497, S 575, S 602, S 712, S 746, HR 1062, HR 1121, HR 1222, HR 1223, HR 1224, HR 1225, HR 1226, HR 1227, HR 31, HR 839

Client expense: $650,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Issues related to Financial Reform. Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; treatment of community lenders, formation of CFPB; H.R. 4014: To amend the Federal Deposit Insurance Act; S. 2099: A bill to amend the Federal Deposit Insurance Act; H.R. 1121, the Responsible Consumer Financial Protection Regulation Act of 2011; H.R. 1315, the Responsible Consumer Financial Safety and Soundness Act of 2011; H.R. 6139, Consumer Credit Access, Innovation, and Modernization Act; S. 3426, SAFE Lending Act of 2012; S. 3452, Protecting Consumers from Unreasonable Credit Rates Act of 2012.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to derivatives, the "Volcker Rule," capital and liquidity requirements, lending products and Consumer Financial Protection Bureau including the following legislation: H.R.1121 - Responsible Consumer Financial Protection Regulations Act of 2011; H.R.1137 - Small Business Credit Card Act of 2011; H.R.1315 - Consumer Financial Protection Safety; Soundness Improvement Act of 2011; H.R.1610 - Business Risk Mitigation and Price Stabilization Act of 2011; S.737 - Responsible Consumer Financial Protection Regulations Act of 2011; and S.947 - A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934, and for other purposes.

Client expense: $415,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to data brokers. H.R. 1121, responsible Consumer Protection Financial Protection Regulations Act of 2011, provisions relating to data brokers. S. 1151, Personal Data Privacy and Security Act of 2011, provisions relating to data security. S.1434, Data Security Act of 2011, provisions relating to data security. H.R. 2577, SAFE Data Act, provisions relating to data security. H.R. 3475, Keeping IDs Safe Act of 2011, provisions relating to access to the Social Security Administration master death file. Issues related to cyber-security generally. H.R. 4014, provisions relating to the confidentiality of information provided to the Consumer Financial Protection Bureau.

Client expense: Not reported · Firm income: $24,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Increase in Credit Union Lending Cap S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 HR5940 - Preserving American Homeownership Act of 2012 S2080 - Keeping Families in their Home Act of 2012 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act HR3733 - Affordable Mortgages for Homeowners Act of 2011 S3085 - Responsible Homeowners Refinancing Act S3520 - Rebuilding Equity Act of 2012 S3047 - Expanding Refinancing Opportunities Act of 2012 HR6429 - STEM Jobs Act of 2012 Changes to the Truth In Lending Act HR3849 - Preserving Access to Manufactured Housing Act Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 S967 - Regulation of Mortgage Servicing Act of 2011. S3589 - Mortgage Modification Outreach Act Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act S3522 - The Responsible Homeowner Refinancing Act of 2012 Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act HR6153 - Fast Help for Homeowners Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Securities and Exchange Commission (SEC) on lease accounting. Conversations with the Treasury Department on the Dodd-Frank Act, the Home Affordable Modification Program (HAMP), credit, and anti-money laundering guidelines. Discussions with the Federal Reserve on Dodd-Frank. Discussions with the FDIC on Basel III. Conversations with the Consumer Financial Protection Bureau (CFPB) on Dodd-Frank, Qualified Mortgage (QM) rules, RESPA/Truth in Lending Act (TILA), Loan Officer Compensation Rules, banking, and mortgage servicing. Conversations with the Federal Housing Finance Agency (FHFA) on Government Sponsored Enterprises (GSEs), short sales, housing programs lending, and bulk sales of foreclosed properties. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration and Qualified Residential Mortgages (QRMs). Discussions with the White House Economic Council regarding credit, Menendez-Boxer refinancing bill, refinancing programs, and "the fiscal cliff."

Client expense: $15,440,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), 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), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

H.R. 1121, Responsible Consumer Financial Protection Regulations Act of 2011 H.R. 1315, Consumer Financial Protection Safety and Soundness Improvement Act of 2011 H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act H.R. 2568, To prevent the Secretary of the Treasury from expanding United States bank reporting requirements with respect to interest on deposits paid to nonresident aliens H.R. 4014, To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection H.R. 4367, To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine H.R. 6524, U.S. Financial Services Global Viability Act S. 1506, A bill to prevent the Secretary of the Treasury from expanding United States bank reporting requirements with respect to interest on deposits paid to nonresident aliens S. 1615, Financial Regulatory Responsibility Act of 2011 Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), all provisions and amendments relating to derivatives, consumer protection, corporate governance, and the Volcker Rule; the Financial Stability Oversight Council; Basel III Capital and Liquidity Standards; potential money market mutual fund regulation; the implementation of Jumpstart Our Business Startups Act (P.L. 112-106)

Client expense: $29,510,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Highway Administration (FHA), Federal Reserve System, Federal Trade Commission (FTC), Federal Transit Administration (FTA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Maritime Administration (MARAD), Natl Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Office of Management & Budget (OMB), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 87/S. 712, all provisions Responsible Consumer Financial Protection Regulations Act H.R. 1121, all provisions Bureau of Consumer Financial Protection Transfer Clarification Act H.R. 1667, all provisions Consumer Financial Protection Safety and Soundness Improvement Act H.R. 1315, all provisions

Client expense: $330,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE

H.R.5972/S.2322, Transportation, Housing and Urban Development, and Independent Agencies Appropriations Act, FY2013, Monitoring HUD initiatives. Public Law 112-55, Consolidated and Further Continuing Appropriations Act, FY2012, Monitoring HUD initiatives. Implementation of Housing and Economic Recovery Act of 2008 H.R.836, Emergency Mortgage Relief Program Termination Act, Housing issues. H.R.1121, Responsible Consumer Financial Protection Regulations Act of 2011, Housing issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. Opposed all rollback legislation including Bachmann (HR 87), Moran (S 737), Shelby (S 746 and S 1615), DeMint (S 712) Bachus (HR 1121), Duffy (HR 1315), Capito ( HR1667) and any similar bills. 1) Emphasis on opposing Congressional efforts to weaken Title 10 of Dodd-Frank, its establishment of the Consumer Financial Protection Bureau. Oppose efforts in HR 1 and any other appropriations bills to weaken budget or eliminate independence of CFPB, CFTC and SEC. 2) Support various efforts re consumer and transparency protections in various CFPB and other regulations including gift cards, credit cards, overdraft fees, credit bureaus, debt collectors, mortgages before Federal Reserve and all other financial agencies. Support strongest possible Dodd-Frank Title 14 mortgage rules. 3) Support Durbin interchange fee amendment in Dodd-Frank through comments to Federal Reserve and letters to hill opposing repeal/delay. 4) Opposed efforts to legalize predatory lending, such as rent to own proposals from Canseco (HR 1588) and Landrieu (S. 881) 5) Oppose efforts to weaken other investor protection reforms, such as HR 1062 (Hayworth) and HR 1573 (Lucas) and HR 2308 (Garrett) (6) Support efforts to increase consumer protection in international financial services treaty and trade negotiations. (7) Oppose HR 3606, the Jumpstart Our Business Startups (JOBS) Act; supported Senate efforts (Merkley, Levin, Landrieu) to improve bill, oppose similar capital formation bills that weaken investor protections, urged SEC to improve law through better rules. 8) Oppose HR 4367/S3204/similar bills to eliminate ATM signage notices. 9) Support efforts to strengthen Military Lending Act of 2007 (amt. to S 3254 this year). 10) Oppose HR 1909, HR 6139 and any similar bills to create federal non-bank OCC charter for high-cost paydyal lenders and similar firms, preempting authority of states and the CFPB. 11) Oppose HR 4101 to weaken debt collection rights. 12) Oppose HR 5817 and other efforts to weaken GLBA Financial Privacy notices.

Client expense: $20,895 · Firm income: Not reported

Government targets: Consumer Product Safety Commission (CPSC), Federal Deposit Insurance Corporation (FDIC), Federal Election Commission (FEC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Implementation of Dodd/Frank Act; regulatory reform; internet privacy and cyber security issues Generally; HR 1121 Responsible Consumer Financial Protection Regulations Act of 2011; FFSCC Act of 2011 a bill to create the Federal Financial Services & Consumer Credit Charter.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Interchange and electronic payments networks. HR 5546 Credit Card Fair Fee Act of 2008. S.500/S.328/S.582 Establishing a national usury rate, S.566 Establishing a Consumer Credit Safety Commission, S.414 Credit Cards, and Financial Services Regulatory Reform proposals and pending derivatives legislation. Monitor issues related to HR 1424, the Emergency Economic Stabilization Act of 2008. Issues related to the Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203). Systemic Risk Regulator. International tax and Financial Crisis Responsibility Fee proposals. Issues related to Patent Reform legislation, S.23 / HR 1249-America Invents Act and HR 23-Patent Lawsuit Reform Act of 2011. S.575, Debit Interchange Fee Study Act of 2011. HR 1121, the Responsible Consumer Financial Protection Regulations Act of 2011 (all provisions).

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to establishing a national usury rate, establishing a Consumer Credit Safety Commission, Credit Cards, and Financial Services Regulatory Reform proposals. Issues related to Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203). Monitor issues related to the Consumer Financial Protection Bureau and the Federal Insurance Office. HR 1121, the Responsible Consumer Financial Protection Regulations Act of 2011 (all provisions).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

see next page Issues Related To Small Business S. 509 Small Business Lending Enhancement Act H.R. 1418 Small Business Lending Enhancement Act S. 2231 Small Business Lending Enhancement Act Issues Related To Data Security/Privacy S. 799 Commercial Privacy Bill of Rights Act of 2011 H.R. 1528 Consumer Privacy Protection Act of 2011 Issues Related To Banking S. 3254 FY 2013 Department of Defense Appropriations Bill H.R. 3671 Consolidated Appropriations Act, 2012 H.R. 3461 Financial Institutions Examination Fairness and Reform Act H.R. 4367 To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine S. 3204 A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes S. 3394 A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes. S. 2099 A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 4014 To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. Issues Related To CFPB H.R. 1315 Consumer Financial Protection Safety and Soundness Improvement Act of 2011 H.R. 1121 Responsible Consumer Financial Protection Regulations Act of 2011 S. 737 Responsible Consumer Financial Protection Regulations Act of 2011 H.R. 3871 Proprietary Information Protection Act of 2012 S. 2055 A bill to amend the Federal Deposit Insurance Act with respect to the protection of certain information Issues Related To Cyber Security H.R. 3523 The Cyber Intelligence Sharing and Protection Act H.R. 3674 The Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness (PRECISE) Act S. 2105 The Cybersecurity Act of 2012 H.R. 4263 SECURE IT Act of 2012 H.R. 2096 Cybersecurity Enhancement Act of 2012 S. 2151 SECURE IT Issues Related To Bankruptcy S. 1102 The Fairness for Struggling Students Act of 2011 H.R. 2028 The Private Student Loan Bankruptcy Fairness Act of 2011

Client expense: $900,000 · Firm income: Not reported

Government targets: Education, Dept of, 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 the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Wall Street Reform and Consumer Protection Act; issues related to consumer credit; Issues related to the Credit CARD Act; SEC IFRS Convergence; SEC proposed rules implementing Dodd-Frank corporate governmenance changes (including CEO-median pay ratio disclosure, shareholder approval of executive compensation, whistleblower award program, independence of compensation committees and advisors); HR 1062, Burdensome Data Collection Relief Act; HR 1121, The Responsible Consumer Financial Protections Act of 2011; HR 1315, The Consumer Financial Protection Safety and Soundness Improvement Act of 2011; HR, 1667 Consumer Financial Protection Transfer Clarification Act; Foreign Bank and Financial Accounts (FBAR) reporting guidance; Financial Crimes Enformement Network (FinCEN) issues related to Bank Secrecy Act and final rule on prepaid access cards; issues related to notice and request for comment on defining larger participants in certain consumer financial products and services markets, CFPB docket No. CFPB-HQ-2011-2

Client expense: $1,010,000 · Firm income: Not reported

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

Dodd-Frank Wall Street Reform and Consumer Protection Act Title 1, Financial Stability Title 2, Orderly Liquidation Authority Title 6, Improvements to Regs of Banks and Savings Association Holding Companies in Depository Institutions Dodd-Frank Act continued Title 7, Regulation of OTC Swaps Market Title 9, Investor Protections and Improvements to Regulation of Securities Title 10, Bureau of Consumer Financial Protection H.R. 940 "U.S. Covered Bond Act of 2011" H.R. 1539 "Asset-Backed Stabilization Act of 2011" H.R. 1573 "To facilitate implementation of Dodd-Frank Wall Street Reform Act" H.R. 1121 "The Responsible Consumer Financial Protection Regulation Act of 2011" H.R. 122 "The GSE subsidy Elimination Act" H.R. 1309 "The Flood Insurance Reform Act of 2011" H.R. 3644 "Private Mortgage Market Investment Act" S. 1834 "Residential Mortgage Market Privatization and Standardization Act of 2011" H.R. 3606 Jumpstart Our Business Startups Act of 2012 H.R. 1223 GSE Credit Risk Equitable Treatment Act of 2011 H.R. 2112 Consolidated and Further Continuing Appropriations Act, 2012 S. 2223 A bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes. S. 1102 Fairness for Struggling Students Act of 2011 S. 1963 Mortgage Finance Act of 2011 S. 1835 United States Covered Bond Act of 2011 Basel III implementation Making Home Affordable Programs HAMP and HARP FHFA Real Estate Owned Disposition Initiative FHFA plan on single securitization platform Eminent Domain Seizure of Mortgage Loans Property Assessed Clean Energy Programs

Client expense: $130,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Dodd-Frank Wall Street Reform and Consumer Protection Act Title 1, Financial Stability Title 2, Orderly Liquidation Authority Title 6, Improvements to Regs of Banks and Savings Association Holding Companies in Depository Institutions Dodd-Frank Act continued Title 7, Regulation of OTC Swaps Market Title 9, Investor Protections and Improvements to Regulation of Securities Title 10, Bureau of Consumer Financial Protection H.R. 940 "U.S. Covered Bond Act of 2011" H.R. 1539 "Asset-Backed Stabilization Act of 2011" H.R. 1573 "To facilitate implementation of Dodd-Frank Wall Street Reform Act" H.R. 1121 "The Responsible Consumer Financial Protection Regulation Act of 2011" H.R. 122 "The GSE subsidy Elimination Act" H.R. 1309 "The Flood Insurance Reform Act of 2011" H.R. 3644 "Private Mortgage Market Investment Act" S. 1834 "Residential Mortgage Market Privatization and Standardization Act of 2011" H.R. 3606 Jumpstart Our Business Startups Act of 2012 H.R. 1223 GSE Credit Risk Equitable Treatment Act of 2011 H.R. 2112 Consolidated and Further Continuing Appropriations Act, 2012 S. 2223 A bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes. S. 1102 Fairness for Struggling Students Act of 2011 S. 1963 Mortgage Finance Act of 2011 S. 1835 United States Covered Bond Act of 2011 Basel III implementation Making Home Affordable Programs HAMP and HARP FHFA Real Estate Owned Disposition Initiative FHFA plan on single securitization platform Eminent Domain Seizure of Mortgage Loans Property Assessed Clean Energy Programs CFTC Commodity Pool definitional issues

Client expense: $130,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Legislation and oversight hearings potentially affecting structure, operations and supervision of Federal Home Loan Banks, and implementation of the Dodd-Frank Act. Legislation includes H.R. 1121 Responsible Consumer Financial Protection Regulation; H.R. 1223, GSE Credit Risk Equitable Treatment Act; H.R. 940, U.S. Covered Bond Act; H.R. 1224, GSE Portfolio Risk Reduction Act; S. 1834 Residential Mortgage Market Privatization and Standardization Act; and S. 1963, Mortgage Finance Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and oversight hearings potentially affecting structure, operations and supervision of Federal Home Loan Banks, and implementation of the Dodd-Frank Act. Legislation includes H.R. 1121 Responsible Consumer Financial Protection Regulation; H.R. 1223, GSE Credit Risk Equitable Treatment Act; H.R. 940, U.S. Covered Bond Act; H.R. 1224, GSE Portfolio Risk Reduction Act; S. 1834 Residential Mortgage Market Privatization and Standardization Act; and S. 1963, Mortgage Finance Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page] [continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (a bill to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (a bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) [continued from previous page] S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R 1222 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1223 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1224 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1225 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1226 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1227 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) [continued from previous page] H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions). H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages House legislation on debit cards (to ensure there are fair consumer protections for debit card users) Executive branch agencies and issues: Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules, payday lendings impact on Community Reinvestment Act evaluations Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards National Credit Union Administration -- regulation of credit union service organizations, payday lending, payday alternative loans Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention, risk retention rules, mortgage refinance Federal Housing Finance Administration -- foreclosure prevention, servicing standards

Client expense: $105,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, White House Office

Issues related to credit card and other consumer lending, financial regulatory reform, implementation of the Dodd-Frank Act, mortgage finance, student lending, bank holding company regulation, amendments to FDIC Act, including HR1121, HR1315, HR1667, HR4014, HR4041, S2030, S2280, S3452, S3085, S3461

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

- HR 10 Regulations From the Executive in Need of Scrutiny Act of 2011 - all provisions relating to cable. - HR 87 To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act - all provisions relating to cable. - HR 137 Fairness in Political Advertising Act of 2011 - all provisions relating to cable. - HR 96 Internet Freedom Act - all provisions relating to cable. - HR 137 Fairness in Political Advertising Act of 2011- all provisions relating to cable. - HR 166 Internet, Investment, Innovation, and Competition Preservation Act - all provisions relating to cable. - HR 213 Regulation Audit Revive Economy ("RARE") Act of 2011- all provisions relating to cable. - HR 214 Congressional Office of Regulatory Analysis, Creation, and Sunset and Review Act of 2011 - all provisions relating to cable. - HR 373 Unfunded Mandates Information and Transparency Act of 2011 - all provisions relating to cable. - HR 400 Require certain warning labels to be placed on video games that are given certain ratings due to violent content - all provisions relating to cable. - HR 402 National Infrastructure Development Bank Act - all provisions relating to cable. - HR 527 Regulatory Flexibility Improvements Act of 2011 - all provisions relating to cable. - HR 557 Consumer Financial Protection Oversight Act of 2011 - all provisions relating to cable. - HR 599 Stimulus Repeal Act - all provisions relating to cable. - HR 607 Broadband for First Responders Act of 2011 - all provisions relating to cable. - HR 609 American Competitiveness Act of 2011 - all provisions relating to cable. - HR 611 Building Effective Strategies To Promote Responsibility, Accountability, Choice, Transparency, Innovation, Consumer Expectations and Safeguards Act - all provisions relating to cable. - HR 620 Recovering Excessive Stimulus Expenditures for Taxpayers ("RESET") Act - all provisions relating to cable. - HR 642 Broadcaster Freedom Act of 2011 - all provisions relating to cable. - HR 653 Financial Information Privacy Act of 2011 - all provisions relating to cable. - HR 654 The Do Not Track Me Online Act - all provisions relating to cable. - HR 722 Say No to Drug Ads Act all provisions relating to cable. - HR 847 Kelsey Smith Act - all provisions relating to cable. - HR 992 Building American Jobs Act of 2011- all provisions relating to cable. - HR 1009 Federal Communications Collaboration Act - all provisions relating to cable. - HR 1061 Federal Agency Transparency Act - all provisions relating to cable. - HR 1062 Burdensome Data Collection Relief Act - all provisions relating to cable. - HR 1111 Decrease Spending Now Act - all provisions relating to cable. - HR 1121 Responsible Consumer Financial Protection Act of 2011 - all provisions relating to cable. - HR 1136 Executive Cyberspace Coordination Act of 2011 - all provisions relating to cable. - HR 1144 Transparency and Openness in Government Act - all provisions relating to cable. - HR 1166 No Stolen Trademarks Honored in America Act- all provisions relating to cable. - HR 1174 Amend title 31, USC, to provide for the licensing of Internet gambling activities - all provisions relating to cable. - HR 1203 Fairness for the U.S. Territories Under STELA ("Satellite Television Extension and Localism Act") Act - all provisions relating to cable. - HR 1235 Regulation Moratorium Act of 2011 - all provisions relating to cable. - HR 1261 Chief Technology Officer Act - all provisions relating to cable. - HR 1281 Restoring Economic Certainty Act of 2011 - all provisions relating to cable. - HR 1343 Return unused or reclaimed funds made available for broadband awards in the American Recovery and Reinvestment Act of 2009 to the Treasury of the United States - all provisions relating to cable. - HR1389 Global Online Freedom Act of 2011 - all provisions relating to cable. - HR 1404 Fair Elections Now Act - all provisions relating to cable. - HR 1528 Consumer Privacy Protection Act of 2011 - all provisions relating to cable. - HR 1707 Data Accountability and Trust Act - all provisions relating to cable. - HR 1746 Community Access Preservation ("CAP") Act - all provisions relating to cable. - HR 1752 Keeping Children Safe Act of 2011 - all provisions relating to cable. - HR 1805 USA PATRIOT Act Sunset Extension Act of 2011 - all provisions relating to cable. - HR 1841 Data Accountability and Trust Act ("DATA") of 2011 - all provisions relating to cable. - HR 1895 Do Not Track Kids Act of 2011 - all provisions relating to cable. - HR 1981 Protecting Children From Internet Pornographers Act of 2011 - all provisions relating to cable. - HR 1962 PATRIOT Sunsets Extension Act of 2011 - all provisions relating to cable. - HR 1963 To temporarily extend expiring provisions of the USA PATRIOT Act - all provisions relating to cable. - HR 2096 Cybersecurity Enhancement Act of 2011 - all provisions relating to cable. ment programs - all provisions relating to cable. - HRes 628 Expressing the sense of the House of Representatives that the United States should preserve, enhance, and increase access to an open, global Internet all provisions relating to cable. - HRes 671 Expressing the sense of the House of Representatives concerning the need for a comprehensive public alert and warning system for the United States, and for other purposes all provisions relating to cable. - HR 2102 FCC Commissioners Technical Resource Enhancement Act all provisions relating to cable. - HR 2289 FCC Analysis of Benefits and Costs all provisions relating to cable. - HR 2471 Video Privacy Protection Act all provisions relating to cable. - HR 2513 Healthy Media for Youth Act all provisions relating to cable. - HR 2577 SAFE (Secure and Fortify Electronic) Data Act all provisions relating to cable. - HR 2860 Deficit Committee Transparency Act all provisions relating to cable. - HR 2870 Adam Walsh Reauthorization Act of 2011 all provisions relating to cable. - HR 2904 Integrated Public Alert Warning System Modernization Act of 2011 all provisions relating to cable. - HR 2976 Help Emergency Responders Operate Emergency Systems Act of 2011 all provisions relating to cable. - HR 3010 Regulatory Accountability Act of 2011 all provisions relating to cable. - HR 3181 Stop the Regulation Invasion Please Act of 2011 all provisions relating to cable. - HR 3259 National Infrastructure Bank Act of 2011 all provisions relating to cable. - HR 3261 STOP Online Piracy Act all provisions relating to cable. - HR 3309 Federal Communications Commission Process Reform Act of 2011 all provisions relating to cable. - HR 3310 Federal Communications Commission Consolidated Reporting Act all provisions relating to cable. - HR 3344 Give Fans a Chance Act of 2011 all provisions relating to cable. - HR 3563 Integrated Public Alert Warning System Modernization Act of 2011 all provisions relating to cable. - HR 3572 Cameras in the Courtroom Act of 2011 all provisions relating to cable. - HR 3585 Stand By Every Ad Act of 2011 - all provisions relating to cable. - HR 3596 United States Call Center Worker and Consumer Protection Act all provisions relating to cable. - HR 3675 Next Generation Television Marketplace Act all provisions relating to cable. - HR 3763 FCC Merger Act all provisions relating to cable. - HR 3788 E911 Surcharge Fairness Act of 2012 - all provisions relating to cable. - HR 3796 Adam Walsh Reauthorization Act of 2012 - all provisions relating to cable. - HR 3848 Protecting Food & Beverages From Government Attack Act of 2012 - all provisions relating to cable. - HR 4010 To amend the Federal Election Campaign Act of 1971 to provide for additional disclosure requirements for corporations, labor organizations, and other entities - all provisions relating to cable. - HR 4116 Regulatory Accountability and Economic Freedom Act - all provisions relating to cable. - HR 4204 To require certain warning labels to be placed on video games that are given certain ratings due to violent content - all provisions relating to cable. - HR 4263 Strengthening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology ("SECURE IT") Act of 2012 - all provisions relating to cable. - HR 4469 Four Corners Television Access Act of 2012 all provisions relating to cable. - HR 5163 Sunshine in the Courtroom Act of 2012 all provisions relating to cable. - HR 5952 To require each Federal agency to submit and obtain approval from the Director of the Office of Science and Technology Policy of guidelines for ensuring and maximizing the quality, objectivity, utility and integrity of scientific information relied upon by the agency all provisions relating to cable. - HR 5966 Professional Boxing Amendments Act of 2012 all provisions relating to cable. - HR 5973 Agriculture, Rural Development, Food and Drug Administration and Related Agencies Appropriations Act, 2013 all provisions relating to cable. - HR 6063 Child Protection Act of 2012 all provisions relating to cable. - HR 6581 Hurricane Sandy Recovery and Rebuilding Supplemental Appropriations Act, 2013 all provisions relating to cable. - HR 6582 American Energy Manufacturing Technical Corrections Act all provisions relating to cable. - HR 6603 Tapping America's Energy Potential through Research and Development Act of 2012 all provisions relating to cable. - HR 6634 To change the effective date for the Internet publication of certain financial disclosure forms all provisions relating to cable. - HR 6671 Video Privacy Protection Act Amendments Act of 2012 all provisions relating to cable. - HR 6676 Drone Aircraft Privacy and Transparency Act of 2012 all provisions relating to cable. - HConRes 114 Expressing the sense of the Congress that the United States should preserve, enhance, and increase access to an open, global Internet - all provisions relating to cable. - HConRes 127 Expressing the sense of Congress regarding actions to preserve and advance the multistakeholder governance model under which the Internet has thrived all provisions relating to cable. - HJRes 37 Disapproving the rule submitted by the Federal Communications Commission with respect to regulating the Internet and broadband industry practices - all provisions relating to cable. - HJRes 111 Proposing an amendment to the Constitution of the United States relating to the authority of Congress and the States to regulate contributions and expenditures in political campaigns and to enact public financing systems for such campaigns all provisions relating to cable. - HRes 57 Expressing the sense of the House of Representatives that the United Nations and other international governmental organizations shall not be allowed to exercise control over the Internet all provisions relating to cable. - HRes 72 Directing certain standing committees to inventory and review existing, pending, and proposed regulations and orders from agencies of the Federal Government, particularly with respect to their effect on jobs and economic growth all provisions relating to cable. - HRes 95 Supporting the preservation of Internet entrepreneurs and small businesses all provisions relating to cable. - HRes 142 Amending the Rules of the House of Representatives to require authorizing committees to hold annual hearings on GAO investigative reports on the identification, consolidation, and elimination of duplicative Government programs - all provisions relating to cable. - HRes 628 Expressing the sense of the House of Representatives that the United States should preserve, enhance, and increase access to an open, global Internet all provisions relating to cable. - HRes 671 Expressing the sense of the House of Representatives concerning the need for a comprehensive public alert and warning system for the United States, and for other purposes all provisions relating to cable. - S 1 American Competitiveness Act all provisions relating to cable. - S 14 To establish a Commission on Congressional Budgetary Accountability and Review of Federal Agencies - all provisions relating to cable. - S 162 Cut Federal Spending Act of 2011 - all provisions relating to cable. - S 174 Healthy Lifestyles & Prevention America Act all provisions relating to cable. - S 178 Spending Reduction Act of 2011 - all provisions relating to cable. - S 225 Access to Information About Missing Children Act of 2011 - all provisions relating to cable. - S 245 Commitment to American Prosperity ("CAP") Act of 2011 - all provisions relating to cable. - S 299 Regulations from the Executive in Need of Scrutiny Act of 2011 all provisions relating to cable. - S 239 Innovate America Act - all provisions relating to cable. - S 358 Regulatory Responsibility for our Economy Act of 2011 all provisions relating to cable. - S 391 Recovering Excessive Stimulus Expenditures for Taxpayers Act ("RESET") Act - all provisions relating to cable. - S 410 Sunshine in the Courtroom Act of 2011 - all provisions relating to cable. - S 455 Reforming Airwaves by Developing Incentives and Opportunistic Sharing (RADIOS) Act all provisions relating to cable. - S 465 Senior Financial Empowerment Act of 2011 all provisions relating to cable. - S 475 Enact President Obamas recommendations for program terminations all provisions relating to cable. - S 611 FCC Tech Act all provisions relating to cable. - S 652 Building and Upgrading Infrastructure for Long-Term Development all provisions relating to cable. - S 712 Financial Takeover Repeal Act of 2011 - all provisions relating to cable. - S 746 Dodd-Frank Repeal Act of 2011 - all provisions relating to cable. - S 750 Fair Elections Now Act - all provisions relating to cable. - S 799 Commercial Privacy Bill of Rights Act of 2011 all provisions relating to cable. - S 913 Do Not Track Online Act of 2011 all provisions relating to cable. - S 936 American Infrastructure Investment Fund Act of 2011 all provisions relating to cable. - S 978 Amend the criminal penalty provision for criminal infringement of a copyright all provisions relating to cable. - S 1022 PATRIOT Sunset Extension Act of 2011 - all provisions relating to cable. - S 1030 Freedom from Restrictive Executive Demands and Onerous Mandates Act of 2011 all provisions relating to cable. -- S 1151 Personal Data Privacy and Security Act of 2011 - all provisions relating to cable. - S 1207 Data Security and Breach Notification Act of 2011 all provisions relating to cable. - S 1354 Healthy Media for Youth Act all provisions relating to cable. - S 1408 Data Breach Notification Act of 2011 all provisions relating to cable. - S 1434 Data Security Act of 2011 all provisions relating to cable. - S 1535 Personal Data Protection and Breach Accountability Act of 2011 all provisions relating to cable. - S 1550 National Infrastructure Bank Act of 2011 all provisions relating to cable. - S 1606 Regulatory Accountability Act of 2011 all provisions relating to cable. - S 1659 Return unused or reclaimed funds made available for broadband awards in the American Recovery and Reinvestment Act of 2009 to the Treasury of the United States all provisions relating to cable. - S 1660 American Jobs Act of 2011 all provisions relating to cable. - S 1732 Privacy Act Modernization for the Information Age Act of 2011 all provisions relating to cable. - S 1780 Federal Communications Commission Consolidated Reporting Act of 2011 - all provisions relating to cable. - S 1784 Federal Communications Commission Process Reform Act of 2011 - all provisions relating to cable. - S 1830 Protect American Innovation Act of 2011 - all provisions relating to cable. - S 1960 To provide incentives to create American jobs - all provisions relating to cable. - S 1965 Startup Act of 2011 - all provisions relating to cable. - S 2008 Next Generation Television Marketplace Act of 2011 all provisions relating to cable. - S 2038 Stop Trading on Congressional Knowledge ("STOCK") Act - all provisions relating to cable. - S 2063 To prohibit the transfer of technology developed using funding provided by the United States Government to entities of certain countries - all provisions relating to cable. - S 2151 SECURE IT Act ("Strenghtening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology Act of 2012") - all provisions relating to cable. - S 2219 Democracy is Strengthened by Casting Light on Spending in Elections (DISCLOSE) Act of 2012 - all provisions relating to cable. - S 2323 Commerce, Justice, and Science, and Related Agencies Appropriations Act, 2013 all provisions relating to cable. - S 2375 Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act of 2013 all provisions relating to cable. - S 2465 Energy and Water Development and Related Agencies Appropriations Act, 2013 all provisions relating to cable. - S 3187 Food and Drug Administration Safety and Innovation Act all provisions relating to cable. - S 3211 Safeguarding United States Satellite Leadership and Security Act of 2012 all provisions relating to cable. - S 3301 Financial Services and General Government Appropriations Act, 2013 all provisions relating to cable. - S 3306 Professional Boxing Amendments Act of 2012 all provisions relating to cable. - S 3333 Data Security and Breach Notification Act of 212 all provisions relating to cable. - S 3342 SECURE IT all provisions relating to cable. - S 3410 A bill to extend the Undertaking Spam, Spyware, And Fraud Enforcement With Enforcers beyond Borders Act of 2006, and for other purposes all provisions relating to cable. - S 3540 Reduction in Federal Advertising Budgets Act of 2012 all provisions relating to cable. - S 3456 Professional Boxing Amendment Act all provisions relating to cable. - S 3688 STOP Identity Theft Act of 2012 all provisions relating to cable. - S 3713 Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2012 all provisions relating to cable. - SConRes 50 Expressing the sense of Congress regarding actions to preserve and advance the multistakeholder governance model under which the Internet has thrived all provisions relating to cable. - SJRes 6 Disapproving the rule submitted by the Federal Communications Commission with respect to regulating the Internet and broadband industry practices all provisions relating to cable. - SJRes 35 Proposing an amendment to the Constitution authorizing regulation of contributions by corporations, labor organizations and other entities - all provisions relating to cable.

Client expense: $5,880,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Natl Aeronautics & Space Administration (NASA), Natl Institute of Standards & Technology (NIST), Natl Security Agency (NSA), Natl Telecommunications & Information Administration (NTIA), Office of Science & Technology Policy (OSTP), SENATE, State, Dept of (DOS)

HR 1121 / S. 737, Responsible Consumer Financial Protection Regulations Act; H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act; H.R.1315, Consumer Financial Protection Safety and Soundness Improvement Act; H.R. 4014, To amend the Federal Deposit Insurance Act with respect to information provided to the CFPB, issues related to regulation of check cashing and other money services.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1121 / S. 737, Responsible Consumer Financial Protection Regulations Act; H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act; H.R.1315, Consumer Financial Protection Safety and Soundness Improvement Act; H.R. 4014, To amend the Federal Deposit Insurance Act with respect to information provided to the CFPB, issues related to regulation of check cashing and other money services.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309, H.R.5740), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Regulatory Freeze for Jobs Act (H.R.4078), Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014; ATM Signage (H.R.4367, S.3204); Transportation; Treasury; Student Loan Appropriations (H.R.4348); Heightened Regulatory Capital Requirements, including the Collins amendment (H.R.3128); protection of privileged information provided to CFPB (S.3204); Mutual mortgage insurance fund (H.R.4264); definition of municipal advisor (H.R.2827); loan guarantees & eminent domain (H.R.6397); TAG extension bill (S.3637); Annual Privacy Notice requirement limits (H.R.5817); CFPB privileged information (H.R. 4014); ATM placard requirements (H.R. 4367). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information; Qualified Mortgage Safe Harbor; Extension of the TAG Program; Regulations implementing higher capital standards including the market risk capital final rule and 3 proposed rules under Basel III; CFPB proposed regulations on "high cost" mortgage definition; CFPB final and proposed rules on swaps; Federal Reserve rule on fraud prevention adjustments for debit card issuers; CFPB mortgage servicing rules and appraisal requirement rules; CFPB mortgage loan option rule; CFPB proposal on telephone surveys for short-form credit card agreements; OCC rule on the short-term investment fund (STIF); Financial Crimes Enforcement Network advisory on Suspicious Activity Reports; federal regulators guidance on natural disasters; FSOC proposals on Money Market Mutual Funds; CFPB procedures for examiners regarding student lending.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

H.R. 1309 - Flood Insurance Reform Act of 2011 H.R. 1121 - Responsible Consumer Financial Protection Act of 2011 H.R. 430 - HAMP Repeal and Deficit Reduction Act of 2011 H.R. 839 - HAMP Termination Act S. 575 - Debit Interchange Fee Study Act of 2011 H.R. 1081 - Consumers Payment System Protection Act S. 222 - Limiting Investor and Homeowner Loss in Foreclosure Act S. 489 - Preserving Homes and Communities Act of 2011

Client expense: Not reported · Firm income: Not reported

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

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309, H.R.5740), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Regulatory Freeze for Jobs Act (H.R.4078), Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014; ATM Signage (H.R.4367, S.3204); Transportation; Treasury; Student Loan Appropriations (H.R.4348); Heightened Regulatory Capital Requirements, including the Collins amendment (H.R.3128); protection of privileged information provided to CFPB (S.3204); Mutual mortgage insurance fund (H.R.4264); definition of municipal advisor (H.R.2827); loan guarantees & eminent domain (H.R.6397). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information; Qualified Mortgage Safe Harbor; Extension of the TAG Program; Regulations implementing higher capital standards including the market risk capital final rule and 3 proposed rules under Basel III; CFPB proposed regulations on "high cost" mortgage definition; CFPB final and proposed rules on swaps; Federal Reserve rule on fraud prevention adjustments for debit card issuers; CFPB mortgage servicing rules and appraisal requirement rules; CFPB mortgage loan option rule; CFPB proposal on telephone surveys for short-form credit card agreements.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Issues related to derivatives, the "Volcker Rule," capital and liquidity requirements, lending products and Consumer Financial Protection Bureau including the following legislation: H.R.1121 - Responsible Consumer Financial Protection Regulations Act of 2011; H.R.1137 - Small Business Credit Card Act of 2011; H.R.1315 - Consumer Financial Protection Safety and Soundness Improvement Act of 2011; H.R.1610 - Business Risk Mitigation and Price Stabilization Act of 2011; S.737 - Responsible Consumer Financial Protection Regulations Act of 2011; and S.947 - A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934, and for other purposes.

Client expense: $485,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and oversight hearings potentially affecting structure operations and supervision of Federal Home Loan Banks and imple- mentation of the Dodd-Frank Act. Legislation includes HR 1121 Responsible Consumer Financial Protection Regulation; HR 1223, GSE Credit Risk Equitable Treatment Act; HR 940, US Covered Bond Act; S 1835, U.S. Covered Bond Act; HR 1224, GSE Portfolio Risk Reduction Act; S 1834 Residential Mortgage Market Privatization and Standardization Act; and S 1963, Mortgage Finance Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and oversight hearings potentially affecting structure operations and supervision of Federal Home Loan Banks and imple- mentation of the Dodd-Frank Act. Legislation includes HR 1121 Responsible Consumer Financial Protection Regulation; HR 1223, GSE Credit Risk Equitable Treatment Act; HR 940, US Covered Bond Act; S 1835, U.S. Covered Bond Act; HR 1224, GSE Portfolio Risk Reduction Act; S 1834 Residential Mortgage Market Privatization and Standardization Act; and S 1963, Mortgage Finance Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 6317, HR 1062, HR 1121, HR 1182, HR 1222, HR 1223, HR 1224, HR 1225, HR 1226, HR 1227, HR 1315, HR 1355, HR 1539, HR 1610, HR 1667, HR 2612, HR 2682, HR 2779, HR 3044, HR 31, HR 527, HR 557, HR 839, HR 940, S 1016, S 1615, S 3497, S 575, S 602, S 712

Client expense: $720,000 · Firm income: Not reported

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

Dodd-Frank Wall Street Reform and Consumer Protection Act; Qualified mortgage issues; S. 3085 Responsible Homeowners Re-Financing Act of 2012; H.R. 4348, Flood insurance issues H.R. 1221, Equity in Government Compensation Act of 2011; the Market Transparency and Taxpayer Protection Act; H.R. 1859, Housing Finance Reform Act of 2011; H.R. 2441, Housing Trust Fund Elimination Act of 2011; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Removing GSEs Charters During Receivership Act of 2011; H.R. 2462, Cap the GSE Bailout Act of 2011; Market Transparency and Taxpayer Protection Act of 2011; H.R. 3644, Private Mortgage Market Investment Act; H.R. 1121, the Responsible Consumer Financial Protection Regulation Act of 2011; H.R. 1315, the Responsible Consumer Financial Safety and Soundness Act of 2011; FY 2013 THUD appropriations, H.R. 4014: To amend the Federal Deposit Insurance Act; S. 2099: A bill to amend the Federal Deposit Insurance Act; GSE reform issues, GSE g-fee issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2517, S 1360 1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. Oppose all rollback legislation including Bachmann (HR 87), Moran (S 737), Shelby (S 746 and S 1615), DeMint (S 712) Bachus (HR 1121), Duffy (HR 1315), Capito ( HR1667) and any similar bills 2) Emphasis on opposing Congressional efforts to weaken Title 10 of Dodd-Frank, its establishment of the Consumer Financial Protection Bureau. Oppose efforts in HR 1 and any other appropriations bills to weaken budget or eliminate independence of CFPB, CFTC and SEC. 2) Support various efforts re consumer and transparency protections in various CFPB and other regulations including gift cards, credit cards, overdraft fees, credit bureaus, debt collectors, mortgages before Federal Reserve and all other financial agencies. 3) Support Durbin interchange fee amendment in Dodd-Frank through comments to Federal Reserve and letters to hill opposing repeal/delay. Oppose bills such as Tester (S 575) to delay Durbin. 4) oppose efforts to legalize predatory lending, suchas rent to own proposals from Canseco (HR 1588) and Landrieu (S. 881) 5) Oppose efforts to weaken other investor protection reforms, such as HR 1062 (Hayworth) and HR 1573 (Lucas) and HR 2308 (Garrett) (6) Support efforts to increase consumer protection in international financial services treaty and trade negotiations. (7) Oppose HR 3606, the Jumpstart Our Business Startups (JOBS) Act; supported Senate efforts (Merkley, Levin, Landrieu) to improve bill, oppose similar capital formation bills that weaken investor protections, urge SEC to improve law through rules. 8) Oppose HR 4367/S3204 to eliminate ATM signage notices. 9) Support efforts to strengthen Military Lending Act of 2007 (amt. to S 3254 this year). 10) Oppose HR 1909, HR 6139 and any similar bills to create federal non-bank OCC charter for high-cost paydyal lenders and similar firms, preempting authority of states and the CFPB. 11) Oppose HR 4101 to weaken debt collection rights.

Client expense: $21,446 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Election Commission (FEC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; interchange issues; H.R. 1697, Communities First Act, H.R. 1121, the Responsible Consumer Financial Protection Regulation Act of 2011; H.R. 1315, the Responsible Consumer Financial Safety and Soundness Act of 2011; S. 2231; House Financial Services Approps FY-2013-TAG issues

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to Financial Reform. Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; treatment of community lenders, formation of CFPB; H.R. 4014: To amend the Federal Deposit Insurance Act; S. 2099: A bill to amend the Federal Deposit Insurance Act; H.R. 1121, the Responsible Consumer Financial Protection Regulation Act of 2011; H.R. 1315, the Responsible Consumer Financial Safety and Soundness Act of 2011; H.R. 6139, Consumer Credit Access, Innovation, and Modernization Act; S. 3426, SAFE Lending Act of 2012; S. 3452, Protecting Consumers from Unreasonable Credit Rates Act of 2012.

Client expense: Not reported · Firm income: $210,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of Pub. Law No. 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically, provisions on systemic risk and FSOC composition, insurance oversight (Federal Insurance Office), conflicting Department of Labor fiduciary standards, and CFPB activities related to P/C insurance. Applicability of OFAC reporting to insurance. Risk Retention draft proposal to modernize the Liability Risk Retention Act of 1986, provisions to expand commercial property coverage. H.R. 2577, Secure and Fortify Electronic Data Act ("SAFE Data Act"). S. 1207, Data Security and Breach Notification Act of 2011. S. 1151, Personal Data Privacy and Security Act of 2011. S. 1434, Data Security Act of 2011. H.R. 1573, To facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption. H.R. 1121, Responsible Consumer Financial Protection Regulations Act of 2011. H.R. 1315, Consumer Financial Protection Safety and Soundness Improvement Act of 2011. Terrorism Insurance, specifically amendments to the Flood Insurance reform bill to sunset the program. Continuing Resolution, provisions to extend the flood insurance program beyond its current expiration. H.R. 3889, PARTS Act S. 2151, SECURE IT ACT. Reauthorization of the Terrorism Risk Insurance Program. Issues related to lender placed insurance, including proposals by the CFPB. Potential Executive Order concerning cybersecurity.

Client expense: $540,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

H.R. 2517, S 1360 1)Reform Financial Services Regulation. Provided comments to hill and administrative agencies -- signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act which had become law 21 July 2010. Oppose all rollback legislation including Bachmann (HR 87), Moran (S 737), Shelby (S 746 and S 1615), DeMint (S 712) Bachus (HR 1121), Duffy (HR 1315), Capito ( HR1667) and any similar bills 2) Emphasis on opposing Congressional efforts to weaken Title 10 of Dodd-Frank, its establishment of the Consumer Financial Protection Bureau. Oppose efforts in HR 1 and any other appropriations bills to weaken budget or eliminate independence of CFPB, CFTC and SEC. 2) Support various efforts re consumer and transparency protections in various CFPB and other regulations including gift cards, credit cards, overdraft fees, credit bureaus, debt collectors, mortgages before Federal Reserve and all other financial agencies. 3) Support Durbin interchange fee amendment in Dodd-Frank through comments to Federal Reserve and letters to hill opposing repeal/delay. Oppose bills such as Tester (S 575) to delay Durbin. 4) oppose efforts to legalize predatory lending, suchas rent to own proposals from Canseco (HR 1588) and Landrieu (S. 881) 5) Oppose efforts to weaken other investor protection reforms, such as HR 1062 (Hayworth) and HR 1573 (Lucas) and HR 2308 (Garrett) (6) Support efforts to increase consumer protection in international financial services treaty and trade negotiations. (7) Oppose HR 3606, the Jumpstart Our Business Startups (JOBS) Act; supported Senate efforts (Merkley, Levin, Landrieu) to improve bill, oppose similar capital formation bills that weaken investor protections, urge SEC to improve law through rules. 8) Oppose HR 4367/S3204 to eliminate ATM signage notices. 9) Support efforts to strengthen Military Lending Act of 2007 (amt. to S 3254 this year). 10) Oppose HR 1909, HR 6139 and any similar bills to create federal non-bank OCC charter for high-cost paydyal lenders and similar firms, preempting authority of states and the CFPB. 11) Oppose HR 4101 to weaken debt collection rights.

Client expense: $292,521 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Election Commission (FEC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office