Medical Debt Responsibility Act of 2011

Support ending health care disparities among racial and ethnic minorities, support the Affordable Care Act. Reject efforts to repeal health care reform; oppose H.R. 2. Oppose efforts to repeal health car reform via the appropriations process. Oppose cuts in the federal budget to Community Health Care Centers. Fight childhood hunger and obesity -- support a robust, well-funded child nutrition bill. Work to eliminate "food deserts" in low-income neighborhoods, support the establishment of farmers markets and other means of fresh fruits and vegetables in urban areas. Support the National Youth Sports Program Revitalization Act of 2010. Support full funding for HIV/AIDS treatment, prevention and cure. Support H.R. 894, the Maternal Health Accountability Act of 2011. Oppose efforts to privatize Medicare and make Medicaid a block grant program. Oppose H. Con. Res. 35. Oppose banning of all funds to Planned Parenthood affiliates. Oppose H. Con. Res. 36. Oppose H.R. 1227. Support the development and implementation of health insurance exchanges. Support FIT Kids Act (support H.R. 1057 and S.576). Support State Insurance Exchange Programs. Oppose H. R. 1213. Support School based health centers. Oppose H.R. 1214. Support the Prevention and Public Health Fund. Oppose H.R. 1217. Support S. 919, the Successful, Safe, and Healthy Students Act of 2011. Support September as Childhood Obesity Awareness Month. Support H.Res. 339. Support reducing maternal mortality. Support H.R. 894. Support increased funds for AIDS awareness, prevention & treatment. Support a strong and robust Medicaid program. Oppose cuts to Medicaid. Support efforts to advance health equity in the establishment of health insurance Exchanges and the certification of Qualified Health Plans (QHPs) as prescribed in the Affordable Care Act. Support the Health Equity and Accountability Act; support H.R. 2945. Support robust implementation of the data collection requirements of the Affordable Care Act (ACA) . Ensure that the rules surrounding the creation of Accountable Care Organizations under the ACA improve the quality of our healthcare system overall by delivering coordinated, patient- and family-centered care, and greatly advance the effort to achieve health equity. Oppose H.R. 3541, the "Susan B. Anthony and Frederick Douglas Prenatal Non Discrimination Act". Support designating September as National Childhood Obesity Month. Support H. Res. 339. Support the inclusion of prohibitions on discrimination on the basis of race, color, national origin, disability, age, sex, gender identity, or sexual orientation in the establishment of health insurance Exchanges and the certification of Qualified Health Plans as required by the Affordable Care Act. Oppose the Center for Medicare and Medicaid Services (CMS) proposed regulations that would require private Medicare plans (Part C and D) to translate written materials only into languages spoken by 10% of the population in the plans service area. Rather, the NAACP strongly urges CMS to consider an alternative standard of 5% of the general population or 500 individuals served in the service area, whichever is smaller to ensure that every American can access Medicare services. Support H.R. 1880, the Status Report on the 30th Anniversary of HIV/AIDS Act. Support full funding for funding for domestic HIV/AIDS programs. Support Needle Exchange programs. 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. Support the HEART for Women Act (S. 438/H.R. 3526). Support a long term transportation bill which will: 1.Preserve and expand existing programs that fund essential transportation options bicycling, walking, and public transportation. 2.Expand access to quality transportation jobs for the chronically-unemployed, low-income people, individuals with disabilities, women, and communities of color. 3.Strengthen enforcement of existing civil rights provisions. 4.Improve transportation outcomes through strategic planning with measures that promote economic and social equity. 5.Reform transportation funding to lower household expenses and foster community development. Express concern about a state-based benchmark approach to implementing the Essential Health Benefit (EHB) package. In particular, we believe that flexibility without robust anti-discrimination enforcement mechanisms will undermine critical civil rights protections in the Affordable Care Act (ACA). Oppose the Center for Medicare and Medicaid Services (CMS) proposed regulations that would require private Medicare plans (Part C and D) to translate written materials only into languages spoken by 10% of the population in the plans service area. Rather, the NAACP strongly urges CMS to consider an alternative standard of 5% of the general population or 500 individuals served in the service area, whichever is smaller to ensure that every American can access Medicare services. Oppose a repeal of the Community Living Assistance Services and Supporters program. Oppose HR 1173. 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 LGBT designation as a health disparity population by the National Institute for Minority Health and Health Disparities (NIMHD). Urge Congress to take a balanced approach, invest in strategies that create job growth, lift children and families out of poverty and ensure racial and ethnic minorities are not disproportionately adversely impacted. Strategies include full funding for the Affordable Care Act to protect all provisions in the law, and especially for expansion of Medicaid, establishment of Exchanges, subsidies for people with low incomes and small businesses, and for the Prevention and Public Health Fund; retaining the structure of the Medicaid program so that it remains an entitlement program to provide states with sufficient financial resources to administer their Medicaid programs for underserved communities experiencing health disparities; level funding for the REACH US Program to advance community driven strategies and interventions for the elimination of racial and ethnic chronic disease health disparities and enhance the capacity to conduct evaluation, increase dissemination, facilitate Technical Assistance and mentoring for other federal initiatives; the Public Health Prevention Fund and Community Transformation Grant program must be fully funded in order to effectively reduce the incidence of costly chronic diseases, help improve health, address health inequities, and control health-care spending; an increase in funding from the Presidents request to support its efforts to promote community solutions to eliminate health disparities, improve the diversity and cultural competency of the health-related workforce, and ensure access to quality, culturally and linguistically appropriate care; sufficient funding to accomplish HHS's overall data collection mission; the HHS Office of Civil Rights' needs additional funding to ensure that it has the staff and resources to appropriately investigate and enforce these critical laws; more funding is needed for the HHS Office of Minority Health to ensure these offices have the staff and resources needed to carry out their mission; and investing in the The Healthy Food Financing Initiative. 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. Support the Cardin-Cochran amendment to MAP-21, which gives local governmentsthose closest to the needs of their constituents and communitiesan opportunity to weigh in on how states spend their Additional Activities federal transportation dollars. Support federal support for school-based health centers in the Presidents Budget for Fiscal Year 2014. Support the State Paid Leave Fund. Strongly support the prominence given to the goal of reducing health disparities in the Medicare and Medicaid Electronic Health Record (EHR) Incentive Programss structure; however, we are concerned that the meaningful use requirements as proposed are inadequate to achieve this outcome. Specifically, we support the incentive programs reinforcing federal civil rights and health information privacy laws; the incentive program requiring robust demographic data collection and use, including disability status data collection, sexual orientation and gender identity data collection, and geographic information; and the incentive program should build linkages with existing health disparity strategies. Support ensuring that pregnant workers are not forced out of their jobs unnecessarily or denied reasonable job modifications that would allow them to continue working and supporting their families. Strongly support H.R. 2086 and S. 2149, the Medical Debt Responsibility Act. Oppose policy "riders" on the Commerce Justice Science Appropriations bill for FY 13 which would prohibit the US DoJ from supporting legal efforts to implement the Affordable Care Act. Support the nomination of Dr. Kimberly Jeffries Leonard to serve as Director of the Center for Mental Health Services within the Substance Abuse Mental Health Services Administration. Support the use of federal funding for syringe access programs in the FY 2013 Labor-Health and Human Services-Education (LHHS) Appropriations bill. Support full implementation of all provisions in the Affordable Care Act, in particular full implementation of the Medicaid expansion in 50 states and the District of Columbia. Support a revised health disparity population designation methodology that draws on the existing evidence base on lesbian, gay, bisexual, and transgender (LGBT) health disparities and leads to the LGBT population being formally designated as a health disparity population. Support full funding for the implementation of the Affordable Care Act: funding should be protected for all provisions in the law, and especially for expansion of Medicaid, establishment of Exchanges, subsidies for people with low incomes and small businesses, and for the Prevention and Public Health Fund. Support $54 Million for the REACH (Racial and Ethnic Approaches to Community Health) Program in Fiscal Year 2013. Support an increase in funding above $41 million to support the efforts of the efforts of the Office of Minority Health (OMH) to promote community solutions to eliminate health disparities, improve the diversity and cultural competency of the health-related workforce, and ensure access to quality, culturally and linguistically appropriate care. Support sufficient funding to accomplish the Department of Health and Human Service's overall data collection mission. Support additional funding for the HHS Office of Civil Rights (OCR). With the elevation of the Office of Minority Health to the Office of the Secretary and creation of six new offices of minority health throughout HHS, more funding is needed to ensure these offices have the staff and resources needed to carry out their mission. Support the Healthy Food Financing Initiative, which serves to improve access to healthy food in low-income communities across the country by providing loans and grants to open new supermarkets and fresh food retailers to improve access to healthy food in underserved areas. President Obamas budget request includes $285 million for HFFI, which includes $10 million at the Department of Health and Human Services (HHS), $25 million in Community Development Financial Institutions funding at the Department of Treasury, and a $250 million set-aside request within the broader $7 billion New Markets Tax Credit program for HFFI. The budget also calls for the Department of Agriculture (USDA) to target additional resources toward the overall goals of combating food deserts and increasing access to healthy food. Investing in HFFI would promote increased access to healthy food, create new jobs, improve health, and generate new economic opportunities in low-income communities across the nation. 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 language that permits the use of federal funding for syringe access programs in the FY 2013 Labor-Health and Human Services-Education (LHHS) Appropriations bill Offered the following comments on the Physical Activity Guidelines Midcourse Report: Strategies to Increase Physical Activity Among Youth: Walking programs and options for youth need an even higher and more completely developed priority; Other potential health and social co-benefits of walking should be at least mentioned; The Midcourse Report should more emphatically underscore the importance of a supportive built environment and policies that make walking for all youth the easy and attractive choice; and that this Midcourse Report serves a valuable and appreciated purpose in itself, but should also help set the stage for regular, comprehensive revisions of the U.S. Physical Activity Guidelines. Those revised Guidelines should give serious consideration to an emphasis on walking.

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

Monitor implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 2086 - Medical Debt Responsibility Act of 2011. S.2149 - Medical Debt Responsibility Act of 2012. Outreach on credit reporting oversight and data and cybersecurity issues. S.1534 - Identity Theft and Tax Fraud Prevention Act. H.R.3215 - Identity Theft and Tax Fraud Prevention Act. H.R.3475 - Keeping ID's Safe Act of 2011.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to Fair Credit Reporting Act - medical debts in collection and credit reports; H.R. 2086, Medical Debt Responsibility Act of 2011; S. 2149, Medical Debt Responsbility Act of 2012

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to Fair Credit Reporting Act - medical debts in collection and credit reports; H.R. 2086, Medical Debt Responsibility Act of 2011; S. 2149, Medical Debt Responsibility Act of 2012

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act. Oppose HR 6363 to weaken FCRA.

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

H.R. 5794 Amending the Fair Debt Collection Practices Act; Consumer Financial Protection Bureau Rulemaking; H.R. 2086/S. 2149 Medical Debt Responsibility Act; Data Security and Privacy; Fair Credit Reporting Act; Gramm-Leach Bliley Act; H.R. 4014 Protecting Attorney-Client Privileged Communications When Submitting to the Consumer Financial Protection Bureau; IRS Proposed Rule Regarding Charitable Hospital Collection Procedures

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

Government targets: Education, Dept of, Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

H.R. 2086, Medical Debt Responsibility Act S. 2149, Medical Debt Responsibility Act CFPB

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2086 and S. 2149, the Medical Debt Responsibility Act H.R. 4323 - The Consumer Mortgage Choice Act (entire bill) No Bill: Congressional Oversight of the FDIC Structureed Transaction Plan No bill: Reform of Government Sponsored Enities including Fannie Mae and Freddie Mac

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

Government targets: Council of Economic Advisers (CEA), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

P.L. 112 - 88 - an Act to instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - implementation and oversight of the law relating to loss-sharing agreements (LSAs) and the FDIC structured transactions program; S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; H.R. 433 and S. 1810 - Natomas Basin Flood Protection Improvements Act of 2011 - entire bill authorizing repairs of the Natomas Levee System in California; H.R. 4353 - Flood Protection Public Safety Act of 2012, and draft Water Resources Development Act of 2012 - provisions authorizing flood protection projects, including the Natomas Levee Improvement Project; S. 3521 - Family and Business Tax Cut Certainty Act of 2012 - extension of tax credit for new energy efficient homes; Senate Amendment 3448 to H.R. 8 - The American Taxpayer Relief Act of 2012 - provision relating to extension of tax credit for new energy efficient homes; Tax reform proposals relating to the home mortgage interest deduction.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

P.L. 112 - 88 - an Act to instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - implementation and oversight of the law relating to loss-sharing agreements (LSAs) and the FDIC structured transactions program; S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; Tax reform proposals relating to the home mortgage interest deduction.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

P.L. 112 - 88 - an Act to instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - implementation and oversight of the law relating to loss-sharing agreements (LSAs) and the FDIC structured transactions program; S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; H.R. 433 and S. 1810 - Natomas Basin Flood Protection Improvements Act of 2011 - entire bill authorizing repairs of the Natomas Levee System in California; H.R. 4353 - Flood Protection Public Safety Act of 2012, and draft Water Resources Development Act of 2012 - provisions authorizing flood protection projects, including the Natomas Levee Improvement Project; S. 3521 - Family and Business Tax Cut Certainty Act of 2012 - extension of tax credit for new energy efficient homes; Senate Amendment 3448 to H.R. 8 - The American Taxpayer Relief Act of 2012 - provision relating to extension of tax credit for new energy efficient homes; Tax reform proposals relating to the home mortgage interest deduction.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Oppose amendment to Fair Credit Reporting Act requiring deletion from credit reports of records of paid medical debts. (S 2149, HR 2086)

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

Data Breach / ID Theft / Spyware; Internet Spyware; Social Security Number Protection; Non-prime/Anti-Predatory Lending; Social Security Verification; Employee Free choice; Student Loans; College Student Debt Relief; Unfair Practices in Credit Cards Credit Card holders Bill of Rights; Fairness in Nursing Home Arbitration Act; Fair Mortgage Practices; Borrower protection; Optional Federal Charter; Financial Literacy; H.R. 557, Consumer Financial Protection Oversight Act of 2011; H.R. 653, Financial Information Privacy Act; H.R. 1618, Produce the Note Act of 2011; H.R. 3075, Mobil Information Call Act of 2011; H.R. 2086, Medical Debt Responsibility Act; H.R. 6363, Credit Access and Inclusion Act; H.R. 300, Young Adult Financial Literacy Act, and H.R. 626, Financial Literacy for Youth Act Line 17 Continued: Consumer Financial Protection Bureau (CFPB)

Client expense: $1,560,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Corporation for Natl & Community Service, Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Export-Import Bank of the United States (EXIM Bank), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act. Oppose HR 6363 to weaken FCRA.

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

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act. Oppose HR 6363 to weaken FCRA.

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

Monitor implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 2086 - Medical Debt Responsibility Act of 2011. S.2149 - Medical Debt Responsibility Act of 2012. Outreach on data and cybersecurity issues. S.1534 - Identity Theft and Tax Fraud Prevention Act. H.R.3215 - Identity Theft and Tax Fraud Prevention Act. H.R.3475 - Keeping ID's Safe Act of 2011.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to Fair Credit Reporting Act - medical debts in collection and credit reports; H.R. 2086, Medical Debt Responsibility Act of 2011; S. 2149, Medical Debt Responsbility Act of 2012

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

Issues relating to Fair Credit Reporting Act - medical debts in collection and credit reports; H.R. 2086, Medical Debt Responsibility Act of 2011; S. 2149, Medical Debt Responsibility Act of 2012

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

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 requirees 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 betwqeen 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 idividual complaints, as well as data collection as to who is making the complaints, to the CFPB (while puting 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), 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. 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, 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

Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days. 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, 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 accountholder 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 Consumver Financial Protection Bureau (CFPB) to define "larger participants" among dect collecters 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 requirees 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 betwqeen 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 Reflieef 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

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, 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

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 requirees 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, 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

Support ending health care disparities among racial and ethnic minorities, support the Affordable Care Act. Reject efforts to repeal health care reform; oppose H.R. 2. Oppose efforts to repeal health car reform via the appropriations process. Oppose cuts in the federal budget to Community Health Care Centers. Fight childhood hunger and obesity -- support a robust, well-funded child nutrition bill. Work to eliminate "food deserts" in low-income neighborhoods, support the establishment of farmers markets and other means of fresh fruits and vegetables in urban areas. Support the National Youth Sports Program Revitalization Act of 2010. Support full funding for HIV/AIDS treatment, prevention and cure. Support H.R. 894, the Maternal Health Accountability Act of 2011. Oppose efforts to privatize Medicare and make Medicaid a block grant program. Oppose H. Con. Res. 35. Oppose banning of all funds to Planned Parenthood affiliates. Oppose H. Con. Res. 36. Oppose H.R. 1227. Support the development and implementation of health insurance exchanges. Support FIT Kids Act (support H.R. 1057 and S.576). Support State Insurance Exchange Programs. Oppose H. R. 1213. Support School based health centers. Oppose H.R. 1214. Support the Prevention and Public Health Fund. Oppose H.R. 1217. Support S. 919, the Successful, Safe, and Healthy Students Act of 2011. Support September as Childhood Obesity Awareness Month. Support H.Res. 339. Support reducing maternal mortality. Support H.R. 894. Support increased funds for AIDS awareness, prevention & treatment. Support a strong and robust Medicaid program. Oppose cuts to Medicaid. Support efforts to advance health equity in the establishment of health insurance Exchanges and the certification of Qualified Health Plans (QHPs) as prescribed in the Affordable Care Act. Support the Health Equity and Accountability Act; support H.R. 2945. Support robust implementation of the data collection requirements of the Affordable Care Act (ACA) . Ensure that the rules surrounding the creation of Accountable Care Organizations under the ACA improve the quality of our healthcare system overall by delivering coordinated, patient- and family-centered care, and greatly advance the effort to achieve health equity. Oppose H.R. 3541, the "Susan B. Anthony and Frederick Douglas Prenatal Non Discrimination Act". Support designating September as National Childhood Obesity Month. Support H. Res. 339. Support the inclusion of prohibitions on discrimination on the basis of race, color, national origin, disability, age, sex, gender identity, or sexual orientation in the establishment of health insurance Exchanges and the certification of Qualified Health Plans as required by the Affordable Care Act. Oppose the Center for Medicare and Medicaid Services (CMS) proposed regulations that would require private Medicare plans (Part C and D) to translate written materials only into languages spoken by 10% of the population in the plans service area. Rather, the NAACP strongly urges CMS to consider an alternative standard of 5% of the general population or 500 individuals served in the service area, whichever is smaller to ensure that every American can access Medicare services. Support H.R. 1880, the Status Report on the 30th Anniversary of HIV/AIDS Act. Support full funding for funding for domestic HIV/AIDS programs. Suport Needle Exchange programs. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees 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. Support the HEART for Women Act (S. 438/H.R. 3526). Support a long term transportation bill which will: 1.Preserve and expand existing programs that fund essential transportation options bicycling, walking, and public transportation. 2.Expand access to quality transportation jobs for the chronically-unemployed, low-income people, individuals with disabilities, women, and communities of color. 3.Strengthen enforcement of existing civil rights provisions. 4.Improve transportation outcomes through strategic planning with measures that promote economic and social equity. 5.Reform transportation funding to lower household expenses and foster community development. Express concern about a state-based benchmark approach to implementing the Essential Health Benefit (EHB) package. In particular, we believe that flexibility without robust anti-discrimination enforcement mechanisms will undermine critical civil rights protections in the Affordable Care Act (ACA). Oppose the Center for Medicare and Medicaid Services (CMS) proposed regulations that would require private Medicare plans (Part C and D) to translate written materials only into languages spoken by 10% of the population in the plans service area. Rather, the NAACP strongly urges CMS to consider an alternative standard of 5% of the general population or 500 individuals served in the service area, whichever is smaller to ensure that every American can access Medicare services. Oppose a repeal of the Community Living Assistance Services and Supporters program. Oppose HR 1173. 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 LGBT designation as a health disparity population by the National Institute for Minority Health and Health Disparities (NIMHD). Urge Congress to take a balanced approach, invest in strategies that create job growth, lift children and families out of poverty and ensure racial and ethnic minorities are not disproportionately adversely impacted. Strategies include full funding for the Affordable Care Act to protect all provisions in the law, and especially for expansion of Medicaid, establishment of Exchanges, subsidies for people with low incomes and small businesses, and for the Prevention and Public Health Fund; retaining the structure of the Medicaid program so that it remains an entitlement program to provide states with sufficient financial resources to administer their Medicaid programs for underserved communities experiencing health disparities; level funding for the REACH US Program to advance community driven strategies and interventions for the elimination of racial and ethnic chronic disease health disparities and enhance the capacity to conduct evaluation, increase dissemination, facilitate Technical Assistance and mentoring for other federal initiatives; the Public Health Prevention Fund and Community Transformation Grant program must be fully funded in order to effectively reduce the incidence of costly chronic diseases, help improve health, address health inequities, and control health-care spending; an increase in funding from the Presidents request to support its efforts to promote community solutions to eliminate health disparities, improve the diversity and cultural competency of the health-related workforce, and ensure access to quality, culturally and linguistically appropriate care; sufficient funding to accomplish HHS's overall data collection mission; the HHS Office of Civil Rights' needs additional funding to ensure that it has the staff and resources to appropriately investigate and enforce these critical laws; more funding is needed for the HHS Office of Minority Health to ensure these offices have the staff and resources needed to carry out their mission; and investing in the The Healthy Food Financing Initiative. 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. Support the Cardin-Cochran amendment to MAP-21, which gives local governmentsthose closest to the needs of their constituents and communitiesan opportunity to weigh in on how states spend their Additional Activities federal transportation dollars. Support federal support for school-based health centers in the Presidents Budget for Fiscal Year 2014. Support the State Paid Leave Fund. Strongly support the prominence given to the goal of reducing health disparities in the Medicare and Medicaid Electronic Health Record (EHR) Incentive Programss structure; however, we are concerned that the meaningful use requirements as proposed are inadequate to achieve this outcome. Specifically, we support the incentive programs reinforcing federal civil rights and health information privacy laws; the incentive program requiring robust demographic data collection and use, inlcuding disability status data collection, sexual orientation and gender identity data collection, and geographic information; and the incentive program should build linkages with existing health disparity strategies. Support ensuring that pregnant workers are not forced out of their jobs unnecessarily or denied reasonable job modifications that would allow them to continue working and supporting their families. Strongly support H.R. 2086 and S. 2149, the Medical Debt Responsibility Act. Oppose policy "riders" on the Commerce Justice Science Appropriations bill for FY 13 which would prohibit the US DoJ from supporting legal efforts to implement the Affordable Care Act. Support the nomination of Dr. Kimberly Jeffries Leonard to serve as Director of the Center for Mental Health Services within the Substance Abuse Mental Health Services Administration. Support the use of federal funding for syringe access programs in the FY 2013 Labor-Health and Human Services-Education (LHHS) Appropriations bill. Support full implementation of all provisions in the Affordable Care Act, in particular full implementation of the Medicaid expansion in 50 states and the District of Columbia. Support a revised health disparity population designation methodology that draws on the existing evidence base on lesbian, gay, bisexual, and transgender (LGBT) health disparities and leads to the LGBT population being formally designated as a health disparity population. Support full funding for the implementation of the Affordable Carre Act: funding should be protected for all provisions in the law, and especially for expansion of Medicaid, establishment of Exchanges, subsidies for people with low incomes and small businesses, and for the Prevention and Public Health Fund. Support $54 Million for the REACH (Racial and Ethnic Approaches to Community Health) Program in Fiscal Year 2013. Support an increase in funding above $41 million to support the efforts of the efforts of the Office of Minority Health (OMH) to promote community solutions to eliminate health disparities, improve the diversity and cultural competency of the health-related workforce, and ensure access to quality, culturally and linguistically appropriate care. Support sufficient funding to accomplish the Department of Health and Human Service's overall data collection mission. Support additional funding for the HHS Office of Civil Rights (OCR). With the elevation of the Office of Minority Health to the Office of the Secretary and creation of six new offices of minority health throughout HHS, more funding is needed to ensure these offices have the staff and resources needed to carry out their mission. Support the Healthy Food Financing Initiative, which serves to improve access to healthy food in low-income communities across the country by providing loans and grants to open new supermarkets and fresh food retailers to improve access to healthy food in underserved areas. President Obamas budget request includes $285 million for HFFI, which includes $10 million at the Department of Health and Human Services (HHS), $25 million in Community Development Financial Institutions funding at the Department of Treasury, and a $250 million set-aside request within the broader $7 billion New Markets Tax Credit program for HFFI. The budget also calls for the Department of Agriculture (USDA) to target additional resources toward the overall goals of combating food deserts and increasing access to healthy food. Investing in HFFI would promote increased access to healthy food, create new jobs, improve health, and generate new economic opportunities in low-income communities across the nation. 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, 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

S.881, Consumer Rental-Purchase Agreement Act of 2011 S.3468, Independent Agency Regulatory Analysis Act of 2012 S.1573, Financial Services and General Government Appropriations Act, 2012 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 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.2086, Medical Debt Responsibility Act of 2011 H.R. 6139, Consumer Credit Access, Innovation, and Modernization Act H.R.6363, Credit Access and Inclusion Act Issues related to free credit scores, fair lending, and the implementation of the Dodd-Frank Wall Street Reform (P.L. 111-203) Issues related to "Too Big to Fail" and the implementation of the Glass-Steagall Act Issues related to medical debt relief and usury caps Issues related to the issuance of the Consumer Financial Protection Bureau's overdraft, mortgage form, and privacy rules Issues related to financial privacy Issues related to student loan relief and costs of for-profit colleges Issues related to gift cards, ATM fees, and mobile payment systems Issues related to the direct deposit of social security

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Highway Traffic Safety Administration (NHTSA), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), SENATE, White House Office

H.R. 2086, Medical Debt Responsibility Act S. 2149, Medical Debt Responsibility Act CFPB

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Consumer Financial Protection Bureau issues: Larger participant rule, Consumer complaint system, Mortgage rule; Credit scores and free annual credit reports to Consumers. EEOC Credit Guidance. Fair Credit Reporting Act Issues: Credit scores, Alternative data information. Cybersecurity issues. Real Estate Settlement Procedures Act and the Truth-in-Lending Act; ability to repay standards; mortgage originator standards; appraisals; and mortgage servicing. H.R. 6050 - FCRA restrictions on tax lien information contained in consumer credit reports. H.R.2086 - Medical debt reporting H.R. 6363 - Reporting of utility information to consumer reporting agencies (alternative data.)

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

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Social Security Administration (SSA), Treasury, Dept of

P.L. 112 - 88 - an Act to instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - implementation and oversight of the law relating to loss-sharing agreements (LSAs) and the FDIC structured transactions program; S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; H.R. 433 and S. 1810 - Natomas Basin Flood Protection Improvements Act of 2011 - entire bill authorizing repairs of the Natomas Levee System in California; S. 3521 - Family and Business Tax Cut Certainty Act of 2012 - extension of tax credit for new energy efficient homes; Tax and budget proposals relating to the home mortgage interest deduction.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

P.L. 112 - 88 - an Act to instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - implementation and oversight of the law relating to loss-sharing agreements (LSAs) and the FDIC structured transactions program; S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; Tax and budget proposals relating to the home mortgage interest deduction.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

P.L. 112 - 88 - an Act to instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - implementation and oversight of the law relating to loss-sharing agreements (LSAs) and the FDIC structured transactions program; S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; Tax and budget proposals relating to the home mortgage interest deduction; S. 3521 - Family and Business Tax Cut Certainty Act of 2012 - extension of tax credit for new energy efficient homes; H.R. 433 and S. 1810 - Natomas Basin Flood Protection Improvements Act of 2011 - entire bill authorizing repairs of the Natomas Levee System in California.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

P.L. 112 - 88 - an Act to instruct the Inspector General of the FDIC to study the impact of insured depository institution failures - implementation and oversight of the law relating to loss-sharing agreements (LSAs) and the FDIC structured transactions program; S. 1737 - " Sensible Accounting to Value Energy Act of 2011" - The SAVE Act - proposals to include energy costs in mortgage underwriting and home appraisals; H.R. 2086 and S. 2149 - Medical Debt Responsibility Act - entire bill relating to credit reporting of paid medical debts; Natomas Levee Improvement Program (NLIP) - draft legislation authorizing funds for repair of the Natomas Levee System in California; H.R. 433 and S. 1810 - Natomas Basin Flood Protection Improvements Act of 2011 - entire bill authorizing repairs of the Natomas Levee System in California.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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 requirees 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.

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, 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

Support ending health care disparities among racial and ethnic minorities, support the Affordable Care Act. Reject efforts to repeal health care reform; oppose H.R. 2. Oppose efforts to repeal health car reform via the appropriations process. Oppose cuts in the federal budget to Community Health Care Centers. Fight childhood hunger and obesity -- support a robust, well-funded child nutrition bill. Work to eliminate "food deserts" in low-income neighborhoods, support the establishment of farmers markets and other means of fresh fruits and vegetables in urban areas. Support the National Youth Sports Program Revitalization Act of 2010. Support full funding for HIV/AIDS treatment, prevention and cure. Support H.R. 894, the Maternal Health Accountability Act of 2011. Oppose efforts to privatize Medicare and make Medicaid a block grant program. Oppose H. Con. Res. 35. Oppose banning of all funds to Planned Parenthood affiliates. Oppose H. Con. Res. 36. Oppose H.R. 1227. Support the development and implementation of health insurance exchanges. Support FIT Kids Act (support H.R. 1057 and S.576). Support State Insurance Exchange Programs. Oppose H. R. 1213. Support School based health centers. Oppose H.R. 1214. Support the Prevention and Public Health Fund. Oppose H.R. 1217. Support S. 919, the Successful, Safe, and Healthy Students Act of 2011. Support September as Childhood Obesity Awareness Month. Support H.Res. 339. Support reducing maternal mortality. Support H.R. 894. Support increased funds for AIDS awareness, prevention & treatment. Support a strong and robust Medicaid program. Oppose cuts to Medicaid. Support efforts to advance health equity in the establishment of health insurance Exchanges and the certification of Qualified Health Plans (QHPs) as prescribed in the Affordable Care Act. Support the Health Equity and Accountability Act; support H.R. 2945. Support robust implementation of the data collection requirements of the Affordable Care Act (ACA) . Ensure that the rules surrounding the creation of Accountable Care Organizations under the ACA improve the quality of our healthcare system overall by delivering coordinated, patient- and family-centered care, and greatly advance the effort to achieve health equity. Oppose H.R. 3541, the "Susan B. Anthony and Frederick Douglas Prenatal Non Discrimination Act". Support designating September as National Childhood Obesity Month. Support H. Res. 339. Support the inclusion of prohibitions on discrimination on the basis of race, color, national origin, disability, age, sex, gender identity, or sexual orientation in the establishment of health insurance Exchanges and the certification of Qualified Health Plans as required by the Affordable Care Act. Oppose the Center for Medicare and Medicaid Services (CMS) proposed regulations that would require private Medicare plans (Part C and D) to translate written materials only into languages spoken by 10% of the population in the plans service area. Rather, the NAACP strongly urges CMS to consider an alternative standard of 5% of the general population or 500 individuals served in the service area, whichever is smaller to ensure that every American can access Medicare services. Support H.R. 1880, the Status Report on the 30th Anniversary of HIV/AIDS Act. Support full funding for funding for domestic HIV/AIDS programs. Suport Needle Exchange programs. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees 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. Support the HEART for Women Act (S. 438/H.R. 3526). Support a long term transportation bill which will: 1.Preserve and expand existing programs that fund essential transportation options bicycling, walking, and public transportation. 2.Expand access to quality transportation jobs for the chronically-unemployed, low-income people, individuals with disabilities, women, and communities of color. 3.Strengthen enforcement of existing civil rights provisions. 4.Improve transportation outcomes through strategic planning with measures that promote economic and social equity. 5.Reform transportation funding to lower household expenses and foster community development. Express concern about a state-based benchmark approach to implementing the Essential Health Benefit (EHB) package. In particular, we believe that flexibility without robust anti-discrimination enforcement mechanisms will undermine critical civil rights protections in the Affordable Care Act (ACA). Oppose the Center for Medicare and Medicaid Services (CMS) proposed regulations that would require private Medicare plans (Part C and D) to translate written materials only into languages spoken by 10% of the population in the plans service area. Rather, the NAACP strongly urges CMS to consider an alternative standard of 5% of the general population or 500 individuals served in the service area, whichever is smaller to ensure that every American can access Medicare services. Oppose a repeal of the Community Living Assistance Services and Supporters program. Oppose HR 1173. 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 LGBT designation as a health disparity population by the National Institute for Minority Health and Health Disparities (NIMHD). Urge Congress to take a balanced approach, invest in strategies that create job growth, lift children and families out of poverty and ensure racial and ethnic minorities are not disproportionately adversely impacted. Strategies include full funding for the Affordable Care Act to protect all provisions in the law, and especially for expansion of Medicaid, establishment of Exchanges, subsidies for people with low incomes and small businesses, and for the Prevention and Public Health Fund; retaining the structure of the Medicaid program so that it remains an entitlement program to provide states with sufficient financial resources to administer their Medicaid programs for underserved communities experiencing health disparities; level funding for the REACH US Program to advance community driven strategies and interventions for the elimination of racial and ethnic chronic disease health disparities and enhance the capacity to conduct evaluation, increase dissemination, facilitate Technical Assistance and mentoring for other federal initiatives; the Public Health Prevention Fund and Community Transformation Grant program must be fully funded in order to effectively reduce the incidence of costly chronic diseases, help improve health, address health inequities, and control health-care spending; an increase in funding from the Presidents request to support its efforts to promote community solutions to eliminate health disparities, improve the diversity and cultural competency of the health-related workforce, and ensure access to quality, culturally and linguistically appropriate care; sufficient funding to accomplish HHS's overall data collection mission; the HHS Office of Civil Rights' needs additional funding to ensure that it has the staff and resources to appropriately investigate and enforce these critical laws; more funding is needed for the HHS Office of Minority Health to ensure these offices have the staff and resources needed to carry out their mission; and investing in the The Healthy Food Financing Initiative. 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. Support the Cardin-Cochran amendment to MAP-21, which gives local governmentsthose closest to the needs of their constituents and communitiesan opportunity to weigh in on how states spend their Additional Activities federal transportation dollars. Support federal support for school-based health centers in the Presidents Budget for Fiscal Year 2014. Support the State Paid Leave Fund. Strongly support the prominence given to the goal of reducing health disparities in the Medicare and Medicaid Electronic Health Record (EHR) Incentive Programss structure; however, we are concerned that the meaningful use requirements as proposed are inadequate to achieve this outcome. Specifically, we support the incentive programs reinforcing federal civil rights and health information privacy laws; the incentive program requiring robust demographic data collection and use, inlcuding disability status data collection, sexual orientation and gender identity data collection, and geographic information; and the incentive program should build linkages with existing health disparity strategies. Support ensuring that pregnant workers are not forced out of their jobs unnecessarily or denied reasonable job modifications that would allow them to continue working and supporting their families. Strongly support H.R. 2086 and S. 2149, the Medical Debt Responsibility Act. Oppose policy "riders" on the Commerce Justice Science Appropriations bill for FY 13 which would prohibit the US DoJ from supporting legal efforts to implement the Affordable Care Act. Support the nomination of Dr. Kimberly Jeffries Leonard to serve as Director of the Center for Mental Health Services within the Substance Abuse Mental Health Services Administration.

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, 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

Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days

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, 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 accountholder 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 Consumver Financial Protection Bureau (CFPB) to define "larger participants" among dect collecters 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 requirees 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 betwqeen 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 Reflieef Act. Support the Cummings (MD) amendment to HR 4310

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, 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 requirees 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 betwqeen 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 idividual complaints, as well as data collection as to who is making the complaints, to the CFPB (while puting 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.

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, 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 requirees 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 betwqeen 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 idividual complaints, as well as data collection as to who is making the complaints, to the CFPB (while puting 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.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, 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

Support allowing bankruptcy judges to require loan modifications on primary residence mortgages. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees that credit agencies to remove FULLY paid or settled medical debt from credit reports within 45 days

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, 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 accountholder 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 Consumver Financial Protection Bureau (CFPB) to define "larger participants" among dect collecters 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 requirees 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 betwqeen 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 Reflieef Act. Support the Cummings (MD) amendment to HR 4310

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, 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

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 requirees 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.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, 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

Support ending health care disparities among racial and ethnic minorities, support the Affordable Care Act. Reject efforts to repeal health care reform; oppose H.R. 2. Oppose efforts to repeal health car reform via the appropriations process. Oppose cuts in the federal budget to Community Health Care Centers. Fight childhood hunger and obesity -- support a robust, well-funded child nutrition bill. Work to eliminate "food deserts" in low-income neighborhoods, support the establishment of farmers markets and other means of fresh fruits and vegetables in urban areas. Support the National Youth Sports Program Revitalization Act of 2010. Support full funding for HIV/AIDS treatment, prevention and cure. Support H.R. 894, the Maternal Health Accountability Act of 2011. Oppose efforts to privatize Medicare and make Medicaid a block grant program. Oppose H. Con. Res. 35. Oppose banning of all funds to Planned Parenthood affiliates. Oppose H. Con. Res. 36. Oppose H.R. 1227. Support the development and implementation of health insurance exchanges. Support FIT Kids Act (support H.R. 1057 and S.576). Support State Insurance Exchange Programs. Oppose H. R. 1213. Support School based health centers. Oppose H.R. 1214. Support the Prevention and Public Health Fund. Oppose H.R. 1217. Support S. 919, the Successful, Safe, and Healthy Students Act of 2011. Support September as Childhood Obesity Awareness Month. Support H.Res. 339. Support reducing maternal mortality. Support H.R. 894. Support increased funds for AIDS awareness, prevention & treatment. Support a strong and robust Medicaid program. Oppose cuts to Medicaid. Support efforts to advance health equity in the establishment of health insurance Exchanges and the certification of Qualified Health Plans (QHPs) as prescribed in the Affordable Care Act. Support the Health Equity and Accountability Act; support H.R. 2945. Support robust implementation of the data collection requirements of the Affordable Care Act (ACA) . Ensure that the rules surrounding the creation of Accountable Care Organizations under the ACA improve the quality of our healthcare system overall by delivering coordinated, patient- and family-centered care, and greatly advance the effort to achieve health equity. Oppose H.R. 3541, the "Susan B. Anthony and Frederick Douglas Prenatal Non Discrimination Act". Support designating September as National Childhood Obesity Month. Support H. Res. 339. Support the inclusion of prohibitions on discrimination on the basis of race, color, national origin, disability, age, sex, gender identity, or sexual orientation in the establishment of health insurance Exchanges and the certification of Qualified Health Plans as required by the Affordable Care Act. Oppose the Center for Medicare and Medicaid Services (CMS) proposed regulations that would require private Medicare plans (Part C and D) to translate written materials only into languages spoken by 10% of the population in the plans service area. Rather, the NAACP strongly urges CMS to consider an alternative standard of 5% of the general population or 500 individuals served in the service area, whichever is smaller to ensure that every American can access Medicare services. Support H.R. 1880, the Status Report on the 30th Anniversary of HIV/AIDS Act. Support full funding for funding for domestic HIV/AIDS programs. Suport Needle Exchange programs. Support H.R. 2086 / S. 2149, the Medical Debt Responsibility Act, which requirees 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. Support the HEART for Women Act (S. 438/H.R. 3526). Support a long term transportation bill which will: 1.Preserve and expand existing programs that fund essential transportation options bicycling, walking, and public transportation. 2.Expand access to quality transportation jobs for the chronically-unemployed, low-income people, individuals with disabilities, women, and communities of color. 3.Strengthen enforcement of existing civil rights provisions. 4.Improve transportation outcomes through strategic planning with measures that promote economic and social equity. 5.Reform transportation funding to lower household expenses and foster community development. Express concern about a state-based benchmark approach to implementing the Essential Health Benefit (EHB) package. In particular, we believe that flexibility without robust anti-discrimination enforcement mechanisms will undermine critical civil rights protections in the Affordable Care Act (ACA). Oppose the Center for Medicare and Medicaid Services (CMS) proposed regulations that would require private Medicare plans (Part C and D) to translate written materials only into languages spoken by 10% of the population in the plans service area. Rather, the NAACP strongly urges CMS to consider an alternative standard of 5% of the general population or 500 individuals served in the service area, whichever is smaller to ensure that every American can access Medicare services. Oppose a repeal of the Community Living Assistance Services and Supporters program. Oppose HR 1173. 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 LGBT designation as a health disparity population by the National Institute for Minority Health and Health Disparities (NIMHD). Urge Congress to take a balanced approach, invest in strategies that create job growth, lift children and families out of poverty and ensure racial and ethnic minorities are not disproportionately adversely impacted. Strategies include full funding for the Affordable Care Act to protect all provisions in the law, and especially for expansion of Medicaid, establishment of Exchanges, subsidies for people with low incomes and small businesses, and for the Prevention and Public Health Fund; retaining the structure of the Medicaid program so that it remains an entitlement program to provide states with sufficient financial resources to administer their Medicaid programs for underserved communities experiencing health disparities; level funding for the REACH US Program to advance community driven strategies and interventions for the elimination of racial and ethnic chronic disease health disparities and enhance the capacity to conduct evaluation, increase dissemination, facilitate Technical Assistance and mentoring for other federal initiatives; the Public Health Prevention Fund and Community Transformation Grant program must be fully funded in order to effectively reduce the incidence of costly chronic diseases, help improve health, address health inequities, and control health-care spending; an increase in funding from the Presidents request to support its efforts to promote community solutions to eliminate health disparities, improve the diversity and cultural competency of the health-related workforce, and ensure access to quality, culturally and linguistically appropriate care; sufficient funding to accomplish HHS's overall data collection mission; the HHS Office of Civil Rights' needs additional funding to ensure that it has the staff and resources to appropriately investigate and enforce these critical laws; more funding is needed for the HHS Office of Minority Health to ensure these offices have the staff and resources needed to carry out their mission; and investing in the The Healthy Food Financing Initiative. 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. Support the Cardin-Cochran amendment to MAP-21, which gives local governmentsthose closest to the needs of their constituents and communitiesan opportunity to weigh in on how states spend their Additional Activities federal transportation dollars. Support federal support for school-based health centers in the Presidents Budget for Fiscal Year 2014. Support the State Paid Leave Fund. Strongly support the prominence given to the goal of reducing health disparities in the Medicare and Medicaid Electronic Health Record (EHR) Incentive Programss structure; however, we are concerned that the meaningful use requirements as proposed are inadequate to achieve this outcome. Specifically, we support the incentive programs reinforcing federal civil rights and health information privacy laws; the incentive program requiring robust demographic data collection and use, inlcuding disability status data collection, sexual orientation and gender identity data collection, and geographic information; and the incentive program should build linkages with existing health disparity strategies. Support ensuring that pregnant workers are not forced out of their jobs unnecessarily or denied reasonable job modifications that would allow them to continue working and supporting their families. Strongly support H.R. 2086 and S. 2149, the Medical Debt Responsibility Act. Oppose policy "riders" on the Commerce Justice Science Appropriations bill for FY 13 which would prohibit the US DoJ from supporting legal efforts to implement the Affordable Care Act. Support the nomination of Dr. Kimberly Jeffries Leonard to serve as Director of the Center for Mental Health Services within the Substance Abuse Mental Health Services Administration.

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

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, 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

Issues relating to Fair Credit Reporting Act - medical debts in collection and credit reports; H.R. 2086, Medical Debt Responsibility Act of 2011; S. 2149, Medical Debt Responsibility Act of 2012

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE

Issues relating to Fair Credit Reporting Act - medical debts in collection and credit reports; H.R. 2086, Medical Debt Responsibility Act of 2011; S. 2149, Medical Debt Responsbility Act of 2012

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE

H.R. 2086, Medical Debt Responsibility Act S. 2149, Medical Debt Responsibility Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1) Support efforts to protect consumer housing, mortgage renegotiation and foreclosure protections. Restructure Mortgages in Bankruptcy and add foreclosure protections: Provided comments to hill, signed letters, lobbied on all aspects of legislation and proposed regulations pertaining to reform. Significant provisions added as Title 14 of Wall Street Reform and Consumer Protection Act. Support strongest versions of HR 2086/S 2049, Medical Debt Relief Act

Client expense: $78,558 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Education, Dept of, 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

H.R. 2182, Generating Antibiotic Incentives Now Act of 2011, all provisions S. 1734, Generating Antibiotic Incentives Now Act of 2011, all provisions H.R. 4095, Online Pharmacy Safety Act, all provisions S. 2002, Online Pharmacy Safety Act, all provisions H.R. 2245, Preserving Access to Life-Saving Medications Act of 2011, all provisions S. 296, Preserving Access to Life-Saving Medications Act, all provisions H.R. 2086, Medical Debt Responsibility Act of 2011, all provisions S. 2149, Medical Debt Responsibility Act of 2012, all provisions H.R. 5651, Food and Drug Administration Reform Act of 2012, all provisions S. 3187, Food and Drug Administration Safety and Innovation Act, all provisions H.R. 2960, National Diabetes Clinical Care Commission Act, all provisions S. 2295, Patient Safety and Generic Labeling Improvement Act , all provisions H.R. 2119, Ryan Creedon Act of 2011, all provisions H.R. 3497, MODDERN Cures Act of 2011, all provisions H.R. 3207, Modernizing Laboratory Test Standards for Patients Act of 2011, all provisions H.R. 2939, Pharmaceutical Stewardship Act of 2011, all provisions H.R. 866, National All Schedules Prescription Electronic Reporting Reauthorization Act of 2011, all provisions H.R. 3839, Drug Shortage Prevention Act of 2012, all provisions H.R. 5842, Restoring Access to Medication Act of 2012, all provisions S.Amdt. 2151, To amend the Controlled Substances Act to make any substance containing hydrocodone a schedule II drug Mandatory CME for DEA Registrants Bath Salts Tanning Beds Affordable Care Act Insurance exchanges Violence Against Women Act, provisions relating to quality Drug Shortages Prescription Drug Abuse Next generation antibiotics Scope of Practice Health Insurance Reform Health Information Technology Flexible Spending Accounts/OTC medications Tax deduction for physician charity care HIPAA Administrative Simplification HIPAA privacy and security standards Regulation of energy beverages Unique Device Identification System Multi-Payor Claims Database Private payer guidelines for reporting data to physicians

Client expense: $4,400,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Justice, Dept of (DOJ), Medicare Payment Advisory Commission (MedPAC), SENATE, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA)