Preserving Homes and Communities Act of 2011

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 process by which federal agencies analyze/formulate new regulations/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 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 GSEs and require consistent putback risks at the enterprises to assist homeowners) S. 2909 (a bill to require closing costs to be paid by the enterprises with respect to certain refinanced mortgage loans, and for other purposes) 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 Association and the Federal Home Loan Mortgage Corporation) S. 4041 (to amend Electronic Fund Transfer Act to provide protection for consumers with 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 FHA short refinance program) [continued from previous page] 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 -- HR 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 & 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 accounts 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. 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) H.R. 4323 (to oppose amending the Truth in Lending Act to change the definitions provided for points and fees in connection with a mortgage transaction) Bills under discussion/not yet introduced: Senate legislation to enhance protections on consumer credit for members of the armed forces and their dependents. Senate legislation to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit, and for other purposes. Senate legislation to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions. 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 protect consumers from abusive Internet payday lending practices Senate legislation to address abusive payday lending practices House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation on the federal Fair Debt Collection Practices Act (to ensure consumers' privacy rights regarding voice messages left by debt collectors) House legislation on checking account overdraft practices (to require fair practices related to overdraft fees) [continued from previous page] 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 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 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: $280,000 · 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

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 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 government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) 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 FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) [continued from previous page] H.R. 861 (to continue NSP) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221 -- HR 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 & 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. 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 accounts 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. 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) 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 protect consumers from abusive Internet payday lending practices Senate legislation to address abusive payday lending practices House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation on the federal Fair Debt Collection Practices Act (to ensure consumers' privacy rights regarding voice messages left by debt collectors) House legislation on checking account overdraft practices (to require fair practices related to overdraft fees) 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 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 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, Capital Ones proposed acquisition of ING Direct, 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 [continued from previous page] Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention Federal Housing Finance Administration -- foreclosure prevention, servicing standards

Sections Relating to ADR in the following bills: S489; HR1131; HR1477

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1477/S. 489 - Preserving Homes and Communities Act - support $1 billion for the National Housing Trust Fund H.R. 2441 - to abolish the National Housing Trust Fund - oppose

Client expense: $74,242 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 658 FAA Reauthorization and Reform Act of 2011 H.R. 1034 Airport and Airway Trust Fund Financing Reauthorization Act of 2011 S. 223 FAA Air Transportation Modernization and Safety Improvement Act S. 340 Airport and Airway Trust Fund Reauthorization Act of 2011 H.R. 970 Federal Aviation Research and Development Reauthorization Act of 2011 H.R. 386 Securing Aircraft Cockpits Against Lasers Act of 2011 H.R. 549 Directs the FAA Administrator to establish and carry out a program to safely and feasibly address piston engine emissions, and for other purposes. S. 385 To include nonprofit and volunteer ground and air ambulance crew members and first responders for certain benefits. H.R. 12 American Jobs Act of 2011--Section 421: General Aviation Aircraft Treated as 7-year Property S. 1549 American Jobs Act of 201l--Section 421: General Aviation Aircraft Treated as 7-year Property S. 1335 Pilot's Bill of Rights H.R. 2594 The European Union Emissions Trading Scheme Prohibition Act of 2011 S. 1477 BARR Preservation Act of 2011 H.R. 1477 BARR Preservation Act of 2011 H.R. 2677 Los Angeles Residential Helicopter Noise Relief Act of 2011 S.2019 Los Angeles Residential Helicopter Noise Relief Act of 2011 Other Issues: Access to Aircraft Situational Display (ASDI) and National Airspace System Status Information (NASSI); Docket # FAA -2011-0183. General aviation flight restrictions Airport access issues FAA funding Aviation safety Part 135 aircraft charter National airspace system modernization Airports operational changes at John F. Kennedy International Airport, LaGuardia Airport and Newark Liberty International Airport Advanced Notice of Proposed Rulemaking, Docket OST - 2007 -27057, Consumer Information regarding on-demand air taxi operations, and regarding air charter brokers. Federal excise tax applicability Part 91/135 Letters of authorization Part 91 FAA legal interpretations - FAR 91.501- reimbursement FAA safety management systems Part 91 Subpart K FAA/NTSB appeal process Protection of Access to Aircraft Situational Display (ASDI) and National Airspace System Status Information (NASSI) program. Disaster relief - business aviation response FAA Docket: FAA-2008-0938--Pilot in Command Proficiency Check and Other Changes to the Pilot and Pilot School Certification Rules International Trade Commission (ITC) Investigation No. 332526--Business Jet Aircraft Industry: Structures and Factors Affecting Competitiveness

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 requierment 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. 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 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. 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 accounts without unreasonable cost or other barriers) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) 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 House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation on the federal Fair Debt Collection Practices Act (to ensure consumers' privacy rights regarding voice messages left by debt collectors) House legislation on checking account overdraft practices (to require fair practices related to overdraft fees) 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 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 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, Capital Ones proposed acquisition of ING Direct, 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 Federal Trade Commission - auto financing HUD GSE reform, risk retention rules, mortgage origination rules White House foreclosure prevention, risk retention rules Federal Housing Finance Administration foreclosure prevention, servicing standards

Sections Relating to ADR in the following bills: S489; HR1131; HR1477

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1477/S. 489 - Preserving Homes and Communities Act - support $1 billion for the National Housing Trust Fund. H.R. 2441 - to abolish the National Housing Trust Fund - oppose.

Client expense: $87,742 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 658 FAA Reauthorization and Reform Act of 2011 H.R. 1034 Airport and Airway Trust Fund Financing Reauthorization Act of 2011 S. 223 FAA Air Transportation Modernization and Safety Improvement Act S. 340 Airport and Airway Trust Fund Reauthorization Act of 2011 H.R. 970 Federal Aviation Research and Development Reauthorization Act of 2011 H.R. 386 Securing Aircraft Cockpits Against Lasers Act of 2011 H.R. 549 Directs the FAA Administrator to establish and carry out a program to safely and feasibly address piston engine emissions, and for other purposes. S. 385 To include nonprofit and volunteer ground and air ambulance crew members and first responders for certain benefits. H.R. 12 American Jobs Act of 2011--Section 421: General Aviation Aircraft Treated as 7-year Property S. 1549 American Jobs Act of 201l--Section 421: General Aviation Aircraft Treated as 7-year Property S. 1335 Pilot's Bill of Rights H.R. 2594 The European Union Emissions Trading Scheme Prohibition Act of 2011 S. 1477 BARR Preservation Act of 2011 H.R. 1477 BARR Preservation Act of 2011 Other Issues: Access to Aircraft Situational Display (ASDI) and National Airspace System Status Information (NASSI); Docket # FAA -2011-0183. General aviation flight restrictions Airport access issues FAA funding Aviation safety Part 135 aircraft charter National airspace system modernization Airports operational changes at John F. Kennedy International Airport, LaGuardia Airport and Newark Liberty International Airport Advanced Notice of Proposed Rulemaking, Docket OST - 2007 -27057, Consumer Information regarding on-demand air taxi operations, and regarding air charter brokers. Federal excise tax applicability Part 91/135 Letters of authorization Part 91 FAA legal interpretations - FAR 91.501- reimbursement FAA safety management systems Part 91 Subpart K FAA/NTSB appeal process Protection of Access to Aircraft Situational Display (ASDI) and National Airspace System Status Information (NASSI) program. Disaster relief - business aviation response FAA Docket: FAA-2008-0938--Pilot in Command Proficiency Check and Other Changes to the Pilot and Pilot School Certification Rules International Trade Commission (ITC) Investigation No. 332526--Business Jet Aircraft Industry: Structures and Factors Affecting Competitiveness

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); [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. 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) H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 830 (to continue 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. 1783 (to require minimum mortgage servicing standards) 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 accounts without unreasonable cost or other barriers) 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 prepaid cards (to ensure there are fair consumer protections for prepaid card users) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation on the federal Fair Debt Collection Practices Act (to ensure consumers' privacy rights regarding voice messages left by debt collectors) 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 Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards Dept of the Treasury HAMP, GSE reform Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, Capital Ones proposed acquisition of ING Direct 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 Federal Trade Commission - auto financing HUD GSE reform, risk retention rules White House foreclosure prevention, risk retention rules Federal Housing Finance Administration foreclosure prevention, servicing standards

Sections Relating to ADR in the following bills: S489; HR1131; HR1477

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1477/S. 489 - Preserving Homes and Communities Act - support $1 billion for the National Housing Trust Fund. H.R. 2441 - to abolish the National Housing Trust Fund - oppose.

Client expense: $86,257 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); [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. 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) H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 830 (to continue 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. 1783 (to require minimum mortgage servicing standards) H.R. 2081 (to keep the current CFPB regulatory structure) 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 prepaid cards (to ensure there are fair consumer protections for prepaid card users) House legislation on debit cards (to ensure there are fair consumer protections for debit card users) Executive branch agencies and issues: Department of Treasury -- 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) Office of the Comptroller of the Currency (overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards); HAMP; GSE reform Federal Reserve Board -- overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation FDIC -- overdraft fees, risk retention rules, servicing standards Federal Trade Commission - auto financing HUD - GSE reform, risk retention rules White House -- foreclosure prevention, risk retention rules Federal Housing Finance Administration foreclosure prevention, servicing standards

Sections Relating to ADR in the following bills: S489; HR1131; HR1477

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1477 - NETWORK strongly supports funding the National Housing Trust Fund from TARP warrents H.R. 2441 - NETWORK strongly opposes the Royce bill to de-authorize the National Housing Trust Fund S.961 Reconnecting Youth to Prevent Homelessness Act of 2011- NETWORK strongly supports this bill

Client expense: $75,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Energy, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), President of the U.S., SENATE, State, Dept of (DOS), U.S. Trade & Development Agency (USTDA), White House Office

Lobbying issues were: CFPA (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); credit cards (encouraging Congress to speed up the implementation of the Federal Reserve's new regulations and to add additional consumer protections); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); [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. 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) H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 830 (to continue FHA short refinance program) H.R. 836 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1122 (to keep current regulatory structure of CFPB) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1477 (to require minimum mortgage servicing standards) Bills under discussion/not yet introduced: House legislation to put off CFPB transfer date until confirmed director in place (to keep the current CFPB transfer date in place) House legislation to decrease CFPB supervision authority (to keep the current CFPB supervision authority in place) Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) House companion bill to S.824 (to require minimum mortgage servicing standards) House discussion draft -- "Equity in Government Compensation Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Credit Risk Equitable Treatment Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Portfolio Risk Reduction Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Subsidy Elimination Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Debt Issuance Approval Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Mission Improvement Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) House discussion draft -- "GSE Risk and Activities Limitation Act" (to ensure that there is a secondary market to serve low- and moderate-income communities) Executive branch agencies and issues: Dept. of Treasury -- Consumer Financial Protection Bureau, HAMP, GSE reform Office of the Comptroller of the Currency -- overdraft fees, bank payday loans, risk retention rules, servicing standards Federal Trade Commission -- auto financing Federal Reserve System -- overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation HUD -- GSE reform FDIC -- overdraft fees, risk retention rules, servicing standards White House Office -- foreclosure prevention