Risk Retention Modernization Act of 2011

H.R.1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions.Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act.S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and other purposes. H.R.836, Emergency Mortgage Relief Program Termination Act. All Provisions. Rescinds the unobligated funding for the Emergency Mortgage Relief Program and terminates the program. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 1225, GSE Debt Issuance Approval Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, prevents foreclosure fraud, and for other purposes S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 1977, FHA Reform Act of 2011. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R.1754, Preserving Equal Access to Mortgage Finance Programs Acts. All Provisions. Permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 2126, Risk and Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and for other purposes. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. H.R. 1309, Flood Insurance Reform Act of 2011. All Provisions. Extends the authorization of the national flood insurance program, achieve reforms to improve the financial integrity and stability of the program, and increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 1284, All Provisions. Amends the National Floor Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. S. 967, Merkley Regulation of Mortgages Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. S.489, Preserving Homes and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 3849, Preserving Access to Manufactured Housing Act. All Provisions. Amends S.A.F.E. Mortgage Licensing Act of 2008 to provide an exception from the definition of loan originator for certain loans made with respect to manufactured homes, amends the Truth in Lending Act to modify the definition of a high-cost mortgage, and for other purposes. S.2072, Helping Homeowners Refinance Act. All Provisions. Discourages disincentives to the housing missions of government sponsored enterprises and requires consistent putback risks at the enterprises to assist homeowners.H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. All Provisions. Helps ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. S. 2120, Prompt Notifications of Short Sales Act. All Provisions. Requires the lender or servicer of a home mortgage upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 2099, All Provisions. Amends the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 4323, Consumer Mortgage Choice Act (Qualified Mortgage Bill). All Provisions. Amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 1813, Transportation Research and Innovative Technology Act of 2012. All Provisions. Reauthorizes Federal-aid highway and highway safety construction programs, and for other purposes.

Client expense: $730,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R.1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions.Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and other purposes. H.R.836, Emergency Mortgage Relief Program Termination Act. All Provisions. Rescinds the unobligated funding for the Emergency Mortgage Relief Program and terminates the program. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 1225, GSE Debt Issuance Approval Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, prevents foreclosure fraud, and for other purposes S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 1977, FHA Reform Act of 2011. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R.1754, Preserving Equal Access to Mortgage Finance Programs Acts. All Provisions. Permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 2126, Risk and Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and for other purposes. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. H.R. 1309, Flood Insurance Reform Act of 2011. All Provisions. Extends the authorization of the national flood insurance program, achieve reforms to improve the financial integrity and stability of the program, and increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 1284, All Provisions. Amends the National Floor Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. S. 967, Merkley Regulation of Mortgages Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. S.489, Preserving Homes and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 3849, Preserving Access to Manufactured Housing Act. All Provisions. Amends S.A.F.E. Mortgage Licensing Act of 2008 to provide an exception from the definition of loan originator for certain loans made with respect to manufactured homes, amends the Truth in Lending Act to modify the definition of a high-cost mortgage, and for other purposes. S.2072, Helping Homeowners Refinance Act. All Provisions. Discourages disincentives to the housing missions of government sponsored enterprises and requires consistent putback risks at the enterprises to assist homeowners. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. All Provisions. Helps ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. S. 2120, Prompt Notifications of Short Sales Act. All Provisions. Requires the lender or servicer of a home mortgage upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 2099, All Provisions. Amends the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 4323, Consumer Mortgage Choice Act (Qualified Mortgage Bill). All Provisions. Amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 1813, Transportation Research and Innovative Technology Act of 2012. All Provisions. Reauthorizes Federal-aid highway and highway safety construction programs, and for other purposes.

Client expense: $665,400 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and other purposes. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes.

Client expense: $665,400 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

S. 782, Economic Development Revitalization Act of 2011. All Provisions. Amends the Public Works and Economic Development Act of 1965 to reauthorize that Act, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and other purposes. H.R. 1754, Preserving Equal Access to Mortgage Finance Programs Act. All Provisions. Permanently increases the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expand coverage to include commercial property insurance, and other purposes. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 830, FHA Refinance Program Termination Act. All Provisions. Rescinds the unobligated funding for the FHA Refinance Program and terminates the program. H.R. 1224, GSE Portfolio Risk Reduction Act of 2011. All Provisions. Increases the rate of the required annual reductions of the reatined portfolios of Fannie Mae & Freddie Mac. H.R. 1221, Equity in Government Compensation Act of 2011. All Provisions. Suspends the current compensation packages for the senior executives of Fannie Mae & Freddie Mac and establishes compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 1222, GSE Subsidy Elimination Act of 2011. All Provisions. Increases the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises. H.R. 1226, GSE Improvement Act of 2011. All Provisions. Repeals the affordable housing goals for Fannie Mae and Freddie Mac. H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011. All Provisions. Requires the Inspector General of the Federal Housing Finance Agency to submit quarterly reports to the Congress during the conservatorship of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. H.R. 1227, GSE Risk and Activities Limitation Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from offering any new products during the term of any conservatorship or receivership of such enterprises H.R. 1225, GSE Debt Issuance Approval Act of 2011. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, to establish a grant program for State and local government mediation programs, and for other purposes S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and for other purposes. S. 527, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. HR 861, Neighborhood Stabilization Program Termination Act. Rescinds the third round of funding for the Neighborhood Stabilization Program and to terminate the program. S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 4323, Consumer Mortgage Choice Act. A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 5972, Department of Housing and Urban Development Appropriations Act, 2013. A bill making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2013, and for other purposes. S.3085, Responsible Homeowners Refinancing Act of 2012. A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. S. 3047, Expanding Refinancing Opportunities Act of 2012. A bill to encourage responsible homeowners to refinance mortgages, and for other purposes. H.R. 5973, Agriculture, Rural Development, Food and Drug Administration, and RElated Agencies Appropriations Act, 2013. A bill making appropriations for Agriculture, Rural Development, Food and Drug Administration, and Related Agencies programs for the fiscal year ending September 30, 2013, and for other purposes. H.R. 6397, Defending American Taxpayers from Abusive Government Takings Act of 2012. A bill to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Veterans Affairs from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. A bill to help ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes.

Client expense: $665,400 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

HR 3559, HR 890, HR 6423, HR 2958, HR 5648, HR 6129, HR 1018, HR 1112, HR 2582, S 637, HR 2017, HR 2608, HR 1, HR 1026, HR 1309, HR 1430, HR 1453, HR 2055, HR 2078, HR 3628, HR 3630, HR 4020, HR 4348, HR 435, HR 5740, S 1091. S 1349, S 1548, S 1940, S 1958, S 2025, HR 2126

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

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

Issues related to HR 2126, Risk Retention Modernization Act of 2011

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to HR 2126, Risk Retention Modernization Act of 2011

Client expense: $250,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See Attached HR 1309 - Flood Insurance Reform Act of 2011; HR 2126 - Risk Retentin Modernizatin Act of 2011; HR 3590 - Patient Protection and Affordable Care Act; HR 4348 - Moving Ahead for Progress in the 21st Century; and S 1958 - National Flood Insurance Program Extension Act;

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See Attached HR 2107 Short-Term Fiscal 2012 Continuing Resolution; HR 2608 Continuing Appropriations Act; HR 1309 Flood Insurance Reform Act of 2011; HR 2055 Consolidated Appropriations Act of 2012; HR 3628 Bill to extend National Flood Insurance Program until 5-31-12; HR 3630 Middle Class Tax Relief and Job Creation Act of 2011; S 1548 National Flood Insurance Program Ext. Act of 2011; S 1958 National Flood Insurance Program Extension Act; HR 1150 - Competitive Health Insurance Reform Act of 2011; and HR 2126 - Risk Retentin Modernizatin Act of 2011

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE

Public Law 111-148 - Patient Protection and Affordable Care Act - PPACA (Implementation) H.R. 2 - Repealing Jobs - Killing Health Care Law Act H.R. 5 - Help Efficient, Accessible, Low-Cost Timely Health Care (HEALTH) Act H.R. 1150 - Competitive Health Insurance Reform Act (McCarran Repeal) H.R. 1217 - To Repeal the Prevention and Public Health Fund H.R. 1309 / Public Law 112-141 - Flood Insurance Reform and Modernization Act of 2011 (Rulemaking and Implementation) S. 528 - Safe Teen and Novice Driver Uniform Protection (STANDUP) Act S. 637 - Earthquake Insurance Affordability Act S. 886 - Catastrophe Obligation Guarantee Act S. 3994 - Flood Insurance Affordability and Risk Notification Act S. 137 / H.R. 416 - Health Insurance Rate Review Act H.R. 2126 - Risk Retention Modernization Act H.R. 623 - The National Commission on State Workers' Comp Laws H.R. 1063 - Strengthening Medicare and Repaying Taxpayers Act of 2011 (SMART) Act S. 1091 - Consumer Option for an Alternative System to Allocate Losses Act of 2011 H.R. 5860 - Executive Compensation Clawback Full Enforcement Act H.R. 5284 - Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2012 Public Law 112-141 - Moving Ahead for Progress in the 21st Century Act (Rulemakings and Implementation) Public Law 112-106 - Jumpstart our Business Start Ups (JOBS) Act (Rulemakings and Implementation) H.R. 5891 - Defense Base Act and Insurance Improvement Act S. 2295 - Patient Safety and Generic Labeling Improvement Act H.R. 4384 - Patient Safety and Drug Labeling Improvement Act H.R. 6477 - Taxpayer Protection Act H.R. 6186 - To require a study of voluntary community-based flood insurance options and how such options could be incorporated into the National Flood Insurance Program, and for other purposes. H.R. 6129 - Ban the Use of Credit Scores in Auto Insurance Act Terrorism Risk Insurance Act / Terrorism Risk Insurance Revision and Extension Act of 2005 / Terrorism Risk Insurance Program Reauthorization Act of 2007 (reauthorization) Potential legislation similar to H.R. 1346 / S. 540, Medical Device Safety Act (111th Congress) Department of Justice FY2012 budget submission dealing with medical liability grants Various issues relating to the Patient Protection and Affordable Care Act

Client expense: $761,278 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

H.R. 5/S. 1099, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act (entire bill) H.R.3139, District of Columbia National Disaster Insurance Protection Act (entire bill) S. 669, Longshore and Harbor Workers' Compensation Act Amendments (entire bill) H.R. 890, Holocaust Insurance Accountability Act (entire bill) S. 466, Restoration of Legal Rights for Claimants Under Holocaust-Era Insurance Policies Act (entire bill) H.R. 1150, Competitive Health Insurance Reform Act (entire bill) H.R. 1063/ S. 1718, Strengthening Medicare and Repaying Tax Payers Act (entire bill) H.R. 2099, Natural Disaster Mitigation Act of 2011 (entire bill) H.R. 2100, Catastrophe Savings Accounts Act of 2011 (entire bill) H.R. 2101, Policyholder Disaster Protection Act of 2011 (entire bill) S. 1091, COASTAL Act of 2011 (entire bill) H.R. 2126, Risk Retention Modernization Act of 2011 (entire bill) S. 1383, Save Child Support Act (Sec 5, Requiring States to Compare Information Maintained by insurers; Sec 6, Data Matching and Registry of Payments made on property and casualty insurance) H.R. 3125, Earthquake Insurance Affordability Act (entire bill) S. 1630, Disaster Recovery Act of 2011 (entire bill) H.R.3534, Security in Bonding Act of 2011 (entire bill) H.R. 5284, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2012 (entire bill) H.R. 3559, Insurance Data Protection Act (entire bill) H.R.1845, Medicare IVIG Access and Strengthening Medicare and Repaying Taxpayers Act of 2012 (Title II) H.R. 6346, To amend the Fair Labor Standards Act of 1938 to provide a specific limited exemption from the overtime pay requirements of such Act for work related to insurance claims adjustment after a major disaster. S.3677, A bill to make a technical correction to the Flood Disaster Protection Act of 1973. Terrorism Risk Insurance Program Reauthorization

Client expense: $310,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Optional Federal Charter (Generally) H.R. 1112- National Association of Registered Agents and Brokers Reform Act of 2011 (all provisions) H.R. 1309- Flood Insurance Reform Act of 2011 (all provisions) H.R. 623- National Worker's Compensation Commission Act of 2011(all provisions) H.R. 2126- Risk Retention Modernization Act of 2011 (all provisions) H.R. 2099- The National Disaster Mitigation Act of 2011 (all provisions) H.R. 2069- Safe Building Codes Incentives Act of 2011 (insurance provisions) H.R. 3559 Insurance Data Protection Act (All provisions) S. 1940- Flood Insurance Reform and Modernization Act (All provisions) H.R. 3042- Disaster Loan Fairness Act (All provisions) FEMA Regulation Banning Rebating in NFIP (All provisions) H.R. 3630- Middle Class Tax Relief and Jobs Creation Act (flood provisions) H.R. 2101- Policyholders Disaster Protection Act (All provisions) H.R. 4348- Surface Transportation Conference Report (flood insurance provisions) S. 2342 - National Association of Registered Agents and Brokers Reform Act (all provisions) H.R. 6415- CLAIM Act (All provisions) Terrorism Risk Insurance Program Reauthorization (All provisions) Flood Insurance Reform Act Implementation (All provisions) H.R. 6186- Voluntary Community-Based Flood Options (Insurance provisions) H.R. 4212- Drywall Safety Act of 2012 (Insurance Provisions) H.R. 1- Hurricane Sandy Disaster Assistance of 2012 (Flood provisions) GAO- Report on Insurance Regulation During the Financial Crisis GAO-Report on NFIP and Optional Business Interruption and Additional Living Expense Coverages H.R. 1063- SMART Act (Insurance provisions) H.R. 1845-Medicare IVIG Access Act (SMART Act Provisions)

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

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

HR 4348 - Map 21; HR 7 - American Energy and Infrastructure Jobs Act of 2012; HR 756 - Detention Time; HR 763 - Safe and Efficient Transportation Act of 2011; HR 801- Truck Weight Uniformity Act of 2011; HR 1439 - Business Activity Tax Simplification Act of 2011; HR 1574- Safe Highways and Infrastructure Preservation Act; HR 1803- Jasons Law; HR 2126 - Risk Retention Modernization Act of 2011; HR 2357 - Fighting Fraud in Transportation Act of 2011; HR 2407 PARA; HR 2459 - Safe Roads Act of 2011; HR 3684 - Commuter Protection Act; HR4281 - Surface Transportation Extension Act of 2012; HR4321 - Heavy Truck Tax Fairness Act of 2012; H.R. ___ - draft FY 2013 Transportation Appropriations; S 695 - Commercial Driver Compliance Improvement Act; S 747 - Safe and Efficient Transportation Act of 2011; S 754 - Safe Roads Act of 2011; S 876 - Safe Highways and Infrastructure Preservation Act; S 1187 Jasons Law; S 1813 Map 21; S 1950 - Commercial Motor Vehicle Safety Enhancement Act of 2011; S 2006 Commuter Protection Act; S. 1525 - Surface Transportation Extension Act of 2012 Highway Funding

Client expense: $205,050 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), Federal Highway Administration (FHA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Transportation Security Administration (TSA), Transportation, Dept of (DOT), White House Office

Issues related to HR 2126, Risk Retention Modernization Act of 2011

Client expense: $200,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 6423, HR 2107, HR 2608, HR 1018, HR 1026, HR 1112, HR 1309, HR 1430, HR 1453, HR 2055, HR 2078, HR 2126, HR 2582, HR 2958, HR 3559, HR 3628, HR 3630, HR 4020, HR 4348, HR 435, HR 5468, HR 5740, HR 6129, HR 890, S 1091, S 1349,. S 1548, S 1940, S 2025, S 637

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

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

Public Law 111-148 - Patient Protection and Affordable Care Act - PPACA (Implementation) H.R. 2 - Repealing Jobs - Killing Health Care Law Act H.R. 5 - Help Efficient, Accessible, Low-Cost Timely Health Care (HEALTH) Act H.R. 1150 - Competitive Health Insurance Reform Act (McCarran Repeal) H.R. 1217 - To Repeal the Prevention and Public Health Fund H.R. 1309 / Public Law 112-141 - Flood Insurance Reform and Modernization Act of 2011 (Rulemaking and Implementation) S. 528 - Safe Teen and Novice Driver Uniform Protection (STANDUP) Act S. 637 - Earthquake Insurance Affordablity Act S. 886 - Catastrophe Obligation Guarantee Act S. 3994 - Flood Insurance Affordability and Risk Notification Act S. 137 / H.R. 416 - Health Insurance Rate Review Act H.R. 2126 - Risk Retention Modernization Act H.R. 623 - The National Commission on State Workers' Comp Laws H.R. 1063 - Strengthening Medicare and Repaying Taxpayers Act of 2011 (SMART) Act S. 1091 - Consumer option for an Alternative System to Allocate Losses Act of 2011 H.R. 5860 - Executive Compensation Clawback Full Enforcement Act H.R. 5284 - Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2012 Public Law 112-141 - Moving Ahead for Progress in the 21st Century Act (Rulemakings and Implementation) Public Law 112-106 - Jumpstart our Business Start Ups (JOBS) Act (Rulemakings and Implementation) H.R. 5891 - Defense Base Act and Insurance Improvement Act S. 2295 - Patient Safety and Generic Labeling Improvement Act H.R. 4384 - Patient Safety and Drug Labeling Improvement Act H.R. 6477 - Taxpayer Protection Act H.R. 6186 - To require a study of voluntary community-based flood insurance options and how such options could be incorporated into the National Flood Insurance Program, and for other purposes. H.R. 6129 - Ban the Use of Credit Scores in Auto Insurance Act Potential legislation similar to H.R. 1346 / S. 540, Medical Device Safety Act (111th Congress) Department of Justice FY2012 budget submission dealing with medical liability grants Various issues relating to the Patient Protection and Affordable Care Act

Client expense: $768,022 · Firm income: Not reported

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

H.R. 5/S. 1099, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act (entire bill) HR 1309, Flood Insurance Reform Act of 2011(entire bill) S.1864, A bill to extend the National Flood Insurance Program until September 30, 2012 (entire bill) H.R.3139, District of Columbia National Disaster Insurance Protection Act (entire bill) S. 669, Longshore and Harbor Workers' Compensation Act Amendments (entire bill) H.R. 890, Holocaust Insurance Accountability Act (entire bill) S. 466, Restoration of Legal Rights for Claimants Under Holocaust-Era Insurance Policies Act (entire bill) H.R. 1150, Competitive Health Insurance Reform Act (entire bill) H.R. 1063/ S. 1718, Strengthening Medicare and Repaying Tax Payers Act (entire bill) H.R. 2099, Natural Disaster Mitigation Act of 2011 (entire bill) H.R. 2100, Catastrophe Savings Accounts Act of 2011 (entire bill) H.R. 2101, Policyholder Disaster Protection Act of 2011 (entire bill) S. 1091, COASTAL Act of 2011 (entire bill) H.R. 2126, Risk Retention Modernization Act of 2011 (entire bill) S. 1383, Save Child Support Act (Sec 5, Requiring States to Compare Information Maintained by insurers; Sec 6, Data Matching and Registry of Payments made on property and casualty insurance) H.R. 3125, Earthquake Insurance Affordability Act (entire bill) S. 1630, Disaster Recovery Act of 2011 (entire bill) H.R.3534, Security in Bonding Act of 2011 (entire bill) S.1940, Flood Insurance Reform and Modernization Act of 2011 (entire bill) H.R. 5284, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2012 (entire bill) H.R. 5740, National Flood Insurance Program Extension Act (entire bill) H.R. 4348, MAP-21 (Division F; Title II) H.R. 3559, Insurance Data Protection Act (entire bill) Terrorism Risk Insurance Program Reauthorization

Client expense: $310,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Issues related to HR 2126, Risk Retention Modernization Act of 2011

Client expense: $200,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4348 - Map 21; HR 7 - American Energy and Infrastructure Jobs Act of 2012; HR 756 - Detention Time; HR 763 - Safe and Efficient Transportation Act of 2011; HR 801- Truck Weight Uniformity Act of 2011; HR 1439 - Business Activity Tax Simplification Act of 2011; HR 1574- Safe Highways and Infrastructure Preservation Act; HR 1803- Jasons Law; HR 2126 - Risk Retention Modernization Act of 2011; HR 2357 - Fighting Fraud in Transportation Act of 2011; HR 2407 PARA; HR 2459 - Safe Roads Act of 2011; HR 3684 - Commuter Protection Act; HR4281 - Surface Transportation Extension Act of 2012; HR4321 - Heavy Truck Tax Fairness Act of 2012; H.R. ___ - draft FY 2013 Transportation Appropriations; S 695 - Commercial Driver Compliance Improvement Act; S 747 - Safe and Efficient Transportation Act of 2011; S 754 - Safe Roads Act of 2011; S 876 - Safe Highways and Infrastructure Preservation Act; S 1187 Jasons Law; S 1813 Map 21; S 1950 - Commercial Motor Vehicle Safety Enhancement Act of 2011; S 2006 Commuter Protection Act; S. 1525 - Surface Transportation Extension Act of 2012.

Client expense: $266,626 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), Federal Highway Administration (FHA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Transportation Security Administration (TSA), Transportation, Dept of (DOT), White House Office

H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and other purposes. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes.

Client expense: $614,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R.1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions.Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and other purposes. H.R.836, Emergency Mortgage Relief Program Termination Act. All Provisions. Rescinds the unobligated funding for the Emergency Mortgage Relief Program and terminates the program. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 1225, GSE Debt Issuance Approval Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, prevents foreclosure fraud, and for other purposes S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 1977, FHA Reform Act of 2011. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R.1754, Preserving Equal Access to Mortgage Finance Programs Acts. All Provisions. Permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 2126, Risk and Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and for other purposes. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. H.R. 1309, Flood Insurance Reform Act of 2011. All Provisions. Extends the authorization of the national flood insurance program, achieve reforms to improve the financial integrity and stability of the program, and increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 1284, All Provisions. Amends the National Floor Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. S. 967, Merkley Regulation of Mortgages Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. S.489, Preserving Homes and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 3849, Preserving Access to Manufactured Housing Act. All Provisions. Amends S.A.F.E. Mortgage Licensing Act of 2008 to provide an exception from the definition of loan originator for certain loans made with respect to manufactured homes, amends the Truth in Lending Act to modify the definition of a high-cost mortgage, and for other purposes. S.2072, Helping Homeowners Refinance Act. All Provisions. Discourages disincentives to the housing missions of government sponsored enterprises and requires consistent putback risks at the enterprises to assist homeowners. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. All Provisions. Helps ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. S. 2120, Prompt Notifications of Short Sales Act. All Provisions. Requires the lender or servicer of a home mortgage upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 2099, All Provisions. Amends the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 4323, Consumer Mortgage Choice Act (Qualified Mortgage Bill). All Provisions. Amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 1813, Transportation Research and Innovative Technology Act of 2012. All Provisions. Reauthorizes Federal-aid highway and highway safety construction programs, and for other purposes.

Client expense: $614,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

S. 782, Economic Development Revitalization Act of 2011. All Provisions. Amends the Public Works and Economic Development Act of 1965 to reauthorize that Act, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and other purposes. H.R. 1754, Preserving Equal Access to Mortgage Finance Programs Act. All Provisions. Permanently increases the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expand coverage to include commercial property insurance, and other purposes. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 830, FHA Refinance Program Termination Act. All Provisions. Rescinds the unobligated funding for the FHA Refinance Program and terminates the program. H.R. 1224, GSE Portfolio Risk Reduction Act of 2011. All Provisions. Increases the rate of the required annual reductions of the reatined portfolios of Fannie Mae & Freddie Mac. H.R. 1221, Equity in Government Compensation Act of 2011. All Provisions. Suspends the current compensation packages for the senior executives of Fannie Mae & Freddie Mac and establishes compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 1222, GSE Subsidy Elimination Act of 2011. All Provisions. Increases the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises. H.R. 1226, GSE Improvement Act of 2011. All Provisions. Repeals the affordable housing goals for Fannie Mae and Freddie Mac. H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011. All Provisions. Requires the Inspector General of the Federal Housing Finance Agency to submit quarterly reports to the Congress during the conservatorship of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. H.R. 1227, GSE Risk and Activities Limitation Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from offering any new products during the term of any conservatorship or receivership of such enterprises H.R. 1225, GSE Debt Issuance Approval Act of 2011. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, to establish a grant program for State and local government mediation programs, and for other purposes S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and for other purposes. S. 527, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. HR 861, Neighborhood Stabilization Program Termination Act. Rescinds the third round of funding for the Neighborhood Stabilization Program and to terminate the program. S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 4323, Consumer Mortgage Choice Act. A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 5972, Department of Housing and Urban Development Appropriations Act, 2013. A bill making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2013, and for other purposes. S.3085, Responsible Homeowners Refinancing Act of 2012. A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. S. 3047, Expanding Refinancing Opportunities Act of 2012. A bill to encourage responsible homeowners to refinance mortgages, and for other purposes. H.R. 5973, Agriculture, Rural Development, Food and Drug Administration, and RElated Agencies Appropriations Act, 2013. A bill making appropriations for Agriculture, Rural Development, Food and Drug Administration, and Related Agencies programs for the fiscal year ending September 30, 2013, and for other purposes. H.R. 6397, Defending American Taxpayers from Abusive Government Takings Act of 2012. A bill to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Veterans Affairs from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. A bill to help ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes.

Client expense: $614,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

Regulation of Insurance - General Flood Insurance - General HR 435, Natioanl Flood Insurance Program Termination Act of 2011 HR 1026, Flood Insurance Priorities Act of 2011 HR 1112, National Association of Registered Agents and Brokerss Reform Act of 2011 HR 1309, Flood Insurance Reform Act of 2011 HR 1430, Flood Insurance Choice Act of 2011 HR 2055, Consolidated Appropriations Act HR 2069, Safe Building Codes Incentives Act of 2011 HR 2099, The National Disaster Mitigation Act of 2011 HR 2126, Risk Retention Modernization Act of 2011 HR 3559, Insurance Data Protection Act HR 3630, Middle Class Tax Relief and Jobs Creation Act HR 5740, National Flood Insurance Insurance Program Extension Act S 1091, COASTAL Act S 1548, National Flood Insurance Program Extension Act S 1940, Flood Insurance Reform and Modernization Act S 2342, National Association of Registered Agents and Brokers Reform Act

Client expense: $172,614 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Risk Management Agency, SENATE, Treasury, Dept of

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 HR5940 - Preserving American Homeownership Act of 2012 S2080 - Keeping Families in their Home Act of 2012 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act HR3733 - Affordable Mortgages for Homeowners Act of 2011 S3085 - Responsible Homeowners Refinancing Act S3520 - Rebuilding Equity Act of 2012 S3047 - Expanding Refinancing Opportunities Act of 2012 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 S967 - Regulation of Mortgage Servicing Act of 2011. S3589 - Mortgage Modification Outreach Act Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act HR6153 - Fast Help for Homeowners Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Changes to the Truth In Lending Act HR3849 - Preserving Access to Manufactured Housing Act Discussions with the Small Business Administration on the Commercial Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues, condominium financing (mortgages), Real Estate Owner (REO) to rental pilot program, REO bulk sales, and using eminent domain to take mortgages. Conversations with the Treasury Department on Government-Sponsored Enterprises (GSE), the Dodd-Frank Act, and banking policy. Discussions with FDIC on QRM Rules, housing finance, covered bonds, short sales (HAMP/HAFA), QCRE, and the Dodd-Frank Act. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA), Qualified Mortgage (QM) rules, the Dodd-Frank Act, mortgage lending services, and Loan Officer Compensation rules. Discussions with the National Economic Council (NEC) on mortgage refinance proposals. Discussions with the Securities and Exchange Commission (SEC) on lease accounting. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration, QRM rules, and the Dodd-Frank Act. Discussions with the Federal Reserve on Basel III. Conversations with the Appraisal Subcommittee on appraisals, valuation of real property and territory. Conversations with the Office of the Comptroller of the Currency (OCC) regarding Basel III.

Client expense: $9,820,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

Optional Federal Charter (Generally) H.R. 1112- National Association of Registered Agents and Brokers Reform Act of 2011 (all provisions) H.R. 435- National Flood Insurance Program Termination Act of 2011 (all provisions) H.R. 1026- Flood Insurance Reform Priorities Act of 2011 (all provisions) H.R. 1309- Flood Insurance Reform Act of 2011 (all provisions) H.R. 1430- Flood Insurance Choice Act of 2011 (all provisions) H.R. 48- Federal Life Insurance Transparency Act of 2011 (all provisions) S. 267- Life Insurance Disclosure Act of 2011 (all provisions) H.R. 623- National Worker's Compensation Commission Act of 2011(all provisions) H.R. 677- Lifetime Income Disclosure Act (all provisions) H.R. 2126- Risk Retention Modernization Act of 2011 (all provisions) H.R. 2099- The National Disaster Mitigation Act of 2011 (all provisions) H.R. 2069- Safe Building Codes Incentives Act of 2011 (insurance provisions) S. 1091- Coastal Act (all provisions) H.R. 2055- Consolidated Appropriations Act (flood provisions) H.R. 3630- Temporary Payroll Tax Extension (flood provisions) S. 1548 - National Flood Insurance Program Extension Act (all provisions) S. 1864- Extension of National Flood Insurance Program (all provisions) H.R. 3559 Insurance Data Protection Act S. 1940- Flood Insurance Reform and Modernization Act H.R. 3042- Disaster Loan Fairness Act FEMA Regulation Banning Rebating in NFIP H.R. 3630- Middle Class Tax Relief and Jobs Creation Act (flood provisions) H.R. 2101- Policyholders Disaster Protection Act H.R. 5740- Temporary NFIP Extension H.R. 4348- Surface Transportation Conference Report (flood insurance provisions) S. 2342 - National Association of Registered Agents and Brokers Reform Act (all provisions) H.R. 6415- CLAIM Act Terrorism Risk Insurance Program Reauthorization Flood Insurance Reform Act Implementation H.R. 6186- Voluntary Community-Based Flood Options

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

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Public Law 111-148 - Patient Protection and Affordable Care Act - PPACA (Implementation) H.R. 2 - Repealing Jobs - Killing Health Care Law Act H.R. 5 - Help Efficient, Accessible, Low-Cost Timely Health Care (HEALTH) Act H.R. 1150 - Competitive Health Insurance Reform Act (McCarran Repeal) H.R. 1217 - To Repeal the Prevention and Public Health Fund H.R. 1309 - Flood Insurance Reform and Modernization Act of 2011 S. 528 - Safe Teen and Novice Driver Uniform Protection (STANDUP) Act S. 637 - Earthquake Insurance Affordability Act S. 886 - Catastrophe Obligation Guarantee Act S. 3994 - Flood Insurance Affordability and Risk Notification Act S. 137 / H.R. 416 - Health Insurance Rate Review Act H.R. 2126 - Risk Retention Modernization Act H.R. 623 - The National Commission on State Workers' Comp Laws H.R. 1063 - Strengthening Medicare and Repaying Taxpayers Act of 2011 (SMART) Act S. 1091 - Consumer option for an Alternative System to Allocate Losses Act of 2011 H.R. 5860 - Executive Compensation Clawback Full Enforcement Act H.R. 5284 - Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act of 2012 H.R. 4348 - Moving Ahead for Progress in the 21st Century Act (which became Public Law 112-141 after this reporting period) Public Law 112-106 - Jumpstart Our Business Start Ups (JOBS) Act (Rulemaking and Implementation) Potential legislation similar to H.R. 1346 / S. 540, Medical Device Safety Act (111th Congress) Department of Justice FY2012 budget submission dealing with medical liability grants Various issues relating to the Patient Protection and Affordable Care Act

Client expense: $491,523 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2107, HR 2608, HR 1026, HR 1112, HR 1309, HR 1430, HR 1453, HR 2055, HR 2078, HR 2126, HR 2582, HR 2958, HR 3559, HR 3628, HR 3628, HR 3630, HR 4020, HR 4348, HR 435, HR 5648, HR 5740, HR 890, S 1091, S 1349, S 1548, S 1940, S 1958, S 2025, S 637

Client expense: $730,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 HR5940 - Preserving American Homeownership Act of 2012 S2080 - Keeping Families in their Home Act of 2012 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act HR3733 - Affordable Mortgages for Homeowners Act of 2011 S3085 - Responsible Homeowners Refinancing Act Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 S967 - Regulation of Mortgage Servicing Act of 2011. Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Small Business Administration on the Commercial Refinance Program, 504 Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues and the Home Affordable Refinance Program (H.A.R.P.) Conversations with Treasury on Foreclosure Prevention, Government-Sponsored Enterprise (GSE), QRM rules, covered bonds, the Dodd-Frank Act, and banking policy. Discussions with FDIC on QRM Rules, housing finance, covered bonds, and the Dodd-Frank Act. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal independence, housing finance, home warranties, QM/ORM, the Dodd-Frank Act, and mortgage lending services. Discussions with the National Economic Council (NEC) on mortgage cancellation relief and mortgage refinance proposals. Discussions with the White House Office of Public Engagement on mortgage cancellation relief. Discussions with the Securities and Exchange Commission (SEC) on QRM rules and lease accounting. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration, QRM rules, and the Dodd-Frank Act. Discussions with the Federal Reserve on the House White Paper, U.S. banking policy, and Basel II. Conversations with the Office of Management and Budget (OMB) on fair value accounting.

Client expense: $10,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

H.R. 5/S. 1099, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act (entire bill) HR 1309, Flood Insurance Reform Act of 2011(entire bill) S.1864, A bill to extend the National Flood Insurance Program until September 30, 2012 (entire bill) H.R.3139, District of Columbia National Disaster Insurance Protection Act (entire bill) S. 669, Longshore and Harbor Workers' Compensation Act Amendments (entire bill) H.R. 890, Holocaust Insurance Accountability Act (entire bill) S. 466, Restoration of Legal Rights for Claimants Under Holocaust-Era Insurance Policies Act (entire bill) H.R. 1150, Competitive Health Insurance Reform Act (entire bill) H.R. 1063/ S. 1718, Strengthening Medicare and Repaying Tax Payers Act (entire bill) H.R. 2099, Natural Disaster Mitigation Act of 2011 (entire bill) H.R. 2100, Catastrophe Savings Accounts Act of 2011 (entire bill) H.R. 2101, Policyholder Disaster Protection Act of 2011 (entire bill) S. 1091, COASTAL Act of 2011 (entire bill) H.R. 2126, Risk Retention Modernization Act of 2011 (entire bill) S. 1383, Save Child Support Act (Sec 5, Requiring States to Compare Information Maintained by insurers; Sec 6, Data Matching and Registry of Payments made on property and casualty insurance) H.R. 3125, Earthquake Insurance Affordability Act (entire bill) S. 1630, Disaster Recovery Act of 2011 (entire bill) H.R.3534, Security in Bonding Act of 2011 (entire bill) S.1940, Flood Insurance Reform and Modernization Act of 2011 (entire bill) H.R. 5284, Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2012 (entire bill) H.R. 5740, National Flood Insurance Program Extension Act (entire bill) H.R. 4348, MAP-21 (Division F; Title II) H.R. 3559, Insurance Data Protection Act (entire bill)

Client expense: $320,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and other purposes. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes.

Client expense: $702,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

S. 782, Economic Development Revitalization Act of 2011. All Provisions. Amends the Public Works and Economic Development Act of 1965 to reauthorize that Act, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and other purposes. H.R. 1754, Preserving Equal Access to Mortgage Finance Programs Act. All Provisions. Permanently increases the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expand coverage to include commercial property insurance, and other purposes. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 830, FHA Refinance Program Termination Act. All Provisions. Rescinds the unobligated funding for the FHA Refinance Program and terminates the program. H.R. 1224, GSE Portfolio Risk Reduction Act of 2011. All Provisions. Increases the rate of the required annual reductions of the reatined portfolios of Fannie Mae & Freddie Mac. H.R. 1221, Equity in Government Compensation Act of 2011. All Provisions. Suspends the current compensation packages for the senior executives of Fannie Mae & Freddie Mac and establishes compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 1222, GSE Subsidy Elimination Act of 2011. All Provisions. Increases the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises. H.R. 1226, GSE Improvement Act of 2011. All Provisions. Repeals the affordable housing goals for Fannie Mae and Freddie Mac. H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011. All Provisions. Requires the Inspector General of the Federal Housing Finance Agency to submit quarterly reports to the Congress during the conservatorship of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. H.R. 1227, GSE Risk and Activities Limitation Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from offering any new products during the term of any conservatorship or receivership of such enterprises H.R. 1225, GSE Debt Issuance Approval Act of 2011. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, to establish a grant program for State and local government mediation programs, and for other purposes S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and for other purposes. S. 527, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. HR 861, Neighborhood Stabilization Program Termination Act. Rescinds the third round of funding for the Neighborhood Stabilization Program and to terminate the program. S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 4323, Consumer Mortgage Choice Act. A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 5972, Department of Housing and Urban Development Appropriations Act, 2013. A bill making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2013, and for other purposes. S.3085, Responsible Homeowners Refinancing Act of 2012. A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. S. 3047, Expanding Refinancing Opportunities Act of 2012. A bill to encourage responsible homeowners to refinance mortgages, and for other purposes. H.R. 5973, Agriculture, Rural Development, Food and Drug Administration, and RElated Agencies Appropriations Act, 2013. A bill making appropriations for Agriculture, Rural Development, Food and Drug Administration, and Related Agencies programs for the fiscal year ending September 30, 2013, and for other purposes.

Client expense: $702,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R.1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions.Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and other purposes. H.R.836, Emergency Mortgage Relief Program Termination Act. All Provisions. Rescinds the unobligated funding for the Emergency Mortgage Relief Program and terminates the program. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 1225, GSE Debt Issuance Approval Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, prevents foreclosure fraud, and for other purposes S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 1977, FHA Reform Act of 2011. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R.1754, Preserving Equal Access to Mortgage Finance Programs Acts. All Provisions. Permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 2126, Risk and Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and for other purposes. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. H.R. 1309, Flood Insurance Reform Act of 2011. All Provisions. Extends the authorization of the national flood insurance program, achieve reforms to improve the financial integrity and stability of the program, and increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 1284, All Provisions. Amends the National Floor Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. S. 967, Merkley Regulation of Mortgages Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. S.489, Preserving Homes and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 3849, Preserving Access to Manufactured Housing Act. All Provisions. Amends S.A.F.E. Mortgage Licensing Act of 2008 to provide an exception from the definition of loan originator for certain loans made with respect to manufactured homes, amends the Truth in Lending Act to modify the definition of a high-cost mortgage, and for other purposes. S.2072, Helping Homeowners Refinance Act. All Provisions. Discourages disincentives to the housing missions of government sponsored enterprises and requires consistent putback risks at the enterprises to assist homeowners. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. All Provisions. Helps ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. S. 2120, Prompt Notifications of Short Sales Act. All Provisions. Requires the lender or servicer of a home mortgage upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 2099, All Provisions. Amends the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 3606, Reopening American Capital Markets to Emerging Growth Companies Act of 2012. All Provisions. Increases American job creation and economic growth by improving access to the public capital markets for emerging growth companies. H.R. 4323, Consumer Mortgage Choice Act (Qualified Mortgage Bill). All Provisions. Amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 1813, Transportation Research and Innovative Technology Act of 2012. All Provisions. Reauthorizes Federal-aid highway and highway safety construction programs, and for other purposes.

Client expense: $702,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

See Attached HR 1309 - Flood Insurance Reform Act of 2011; HR 2126 - Risk Retentin Modernizatin Act of 2011; HR 3590 - Patient Protection and Affordable Care Act; HR 4348 - Moving Ahead for Progress in the 21st Century; and S 1958 - National Flood Insurance Program Extension Act;

Client expense: $200,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Regulation of Insurance - General Flood Insurance - General HR 435, National Flood Insurance Program Termination Act of 2011 HR 1026, Flood Insurance Priorities Act of 2011 HR 1112, National Association of Registered Agents and Brokers Reform Act of 2011 HR 1309, Flood Insurance Reform Act of 2011 HR 1430, Flood Insurance Choice Act of 2011 HR 2055, Consolidated Appropriations Act HR 2069, Saf Building Codes Incentives Act of 2011 HR 2099, The National Disaster Mitigation Act of 2011 HR 2126, Risk Retention Modernization Act of 2011 HR 3559, Insurance Data Protection Act HR 3630, Middle Class Tax Relief and Jobs Creation Act HR 5740, National Flood Insurance Program Extension Act S 1091, COASTAL Act S 1548, National Flood Insurance Program Extension Act S 1940, Flood Insurance Reform and Modernization Act S 2342, National Association of Registered Agents and Brokers Reform Act

Client expense: $193,517 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Risk Management Agency, SENATE, Treasury, Dept of

HR 4348 - Map 21; HR 7 - American Energy and Infrastructure Jobs Act of 2012; HR 756 - Dentention Time; HR 763 - Safe and Efficient Transportation Act of 2011; HR 801- Truck Weight Uniformity Act of 2011; HR 1439 - Business Activity Tax Simplification Act of 2011; HR 1574- Safe Highways and Infrastructure Preservation Act; HR 1803- Jasons Law; HR 2126 - Risk Retention Modernization Act of 2011; HR 2357 - Fighting Fraud in Transportation Act of 2011; HR 2407 PARA; HR 2459 - Safe Roads Act of 2011; HR 3684 - Commuter Protection Act; HR4281 - Surface Transportation Extension Act of 2012; HR4321 - Heavy Truck Tax Fairness Act of 2012; H.R. ___ - draft FY 2013 Transportation Appropriations; S 695 - Commercial Driver Compliance Improvement Act; S 747 - Safe and Efficient Transportation Act of 2011; S 754 - Safe Roads Act of 2011; S 876 - Safe Highways and Infrastructure Preservation Act; S 1187 Jasons Law; S 1813 Map 21; S 1950 - Commercial Motor Vehicle Safety Enhancement Act of 2011; S 2006 Commuter Protection Act

Client expense: $199,112 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), Federal Highway Administration (FHA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Transportation Security Administration (TSA), Transportation, Dept of (DOT), White House Office

Optional Federal Charter (Generally) H.R. 1112- National Association of Registered Agents and Brokers Reform Act of 2011 (all provisions) H.R. 435- National Flood Insurance Program Termination Act of 2011 (all provisions) H.R. 1026- Flood Insurance Reform Priorities Act of 2011 (all provisions) H.R. 1309- Flood Insurance Reform Act of 2011 (all provisions) H.R. 1430- Flood Insurance Choice Act of 2011 (all provisions) H.R. 48- Federal Life Insurance Transparency Act of 2011 (all provisions) S. 267- Life Insurance Disclosure Act of 2011 (all provisions) H.R. 623- National Worker's Compensation Commission Act of 2011(all provisions) H.R. 677- Lifetime Income Disclosure Act (all provisions) H.R. 2126- Risk Retention Modernization Act of 2011 (all provisions) H.R. 2099- The National Disaster Mitigation Act of 2011 (all provisions) H.R. 2069- Safe Building Codes Incentives Act of 2011 (insurance provisions) S. 1091- Coastal Act (all provisions) H.R. 2055- Consolidated Appropriations Act (flood provisions) H.R. 3630- Temporary Payroll Tax Extension (flood provisions) S. 1548 - National Flood Insurance Program Extension Act (all provisions) S. 1864- Extension of National Flood Insurance Program (all provisions) H.R. 3559 Insurance Data Protection Act S. 1940- Flood Insurance Reform and Modernization Act H.R. 3042- Disaster Loan Fairness Act FEMA Regulation Banning Rebating in NFIP H.R. 3630- Middle Class Tax Relief and Jobs Creation Act (flood provisions) H.R. 2101- Policyholders Disaster Protection Act H.R. 5740- Temporary NFIP Extension H.R. 4348- Surface Transportation Conference Report (flood insurance provisions) S. 2342 - National Association of Registered Agents and Brokers Reform Act (all provisions)

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

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Small Business Administration on the Commercial Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues. Conversations with Treasury on Foreclosure Prevention, Government-Sponsored Enterprise (GSE), and QRM rules. Discussions with FDIC on QRM Rules, housing finance, and covered bonds. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal independence, housing finance, home warranties, and QM/ORM. Discussions with the National Economic Council (NEC) on mortgage cancellation relief. Discussions with the White House Office of Public Engagement on mortgage cancellation relief. Discussions with the Securities and Exchange Commission (SEC) on QRM rules. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration and QRM rules. Discussions with the Federal Reserve on the House White Paper and U.S. banking policy. Conversations with the Office of Management and Budget (OMB) on fair value accounting.

Client expense: $6,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

See Attached HR 2107 Short-Term Fiscal 2012 Continuing Resolution; HR 2608 Continuing Appropriations Act; HR 1309 Flood Insurance Reform Act of 2011; HR 2055 Consolidated Appropriations Act of 2012; HR 3628 Bill to extend National Flood Insurance Program until 5-31-12; HR 3630 Middle Class Tax Relief and Job Creation Act of 2011; S 1548 National Flood Insurance Program Ext. Act of 2011; S 1958 National Flood Insurance Program Extension Act; HR 1150 - Competitive Health Insurance Reform Act of 2011; and HR 2126 - Risk Retentin Modernizatin Act of 2011

Client expense: $140,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE

HR2107, HR2608, HR1018, HR1026, HR1112, HR1309, HR1430, HR1453, HR2055, HR2078, HR2126, HR2582, HR2958, HR3559, HR3628, HR3630, HR4020, HR435, HR890, S1091, S1349, S1548, S1940, S1958, 2025,S637

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

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Public Law 111-148 - Patient Protection and Affordable Care Act - PPACA (Implementation) H.R. 2 - Repealing Jobs - Killing Health Care Law Act H.R. 5 - Help Efficient, Accessible, Low-Cost Timely Health Care (HEALTH) Act H.R. 1150 - Competitive Health Insurance Reform Act (McCarran Repeal) H.R. 1217 - To Repeal the Prevention and Public Health Fund H.R. 1309 - Flood Insurance Reform and Modernization Act of 2011 S. 528 - Safe Teen and Novice Driver Uniform Protection (STANDUP) Act S. 637 - Earthquake Insurance Affordability Act S. 886 - Catastrophe Obligation Guarantee Act S. 3994 - Flood Insurance Affordability and Risk Notification Act S. 137 / H.R. 416 - Health Insurance Rate Review Act H.R. 2126 - Risk Retention Modernization Act H.R. 623 - The National Commission on State Worker's Comp Laws H.R. 1063 - Strengthening Medicare and Repaying Taxpayers Act of 2011 (SMART) Act S. 1091 - Consumer Option for an Alternative System to Allocate Losses Act of 2011 Potential legislation similar to H.R. 1346/S. 540, Medical Device Safety Act (111th Congress) Department of Justice FY2012 budget submission dealing with medical liability grants Various issues relating to the Patient Protection and Affordable Health Care Act of 2012, P.L. 111-148

Client expense: $818,830 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Increase in Credit Union Lending Cap S509 - Small Business Lending Enhancement Act of 2011 S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Small Business Administration on the Commercial Refinance Program. Discussions with the Federal Housing Finance Agency (FHFA) on housing finance issues. Conversations with Treasury on Foreclosure Prevention, Government-Sponsored Enterprise (GSE), and QRM rules. Discussions with FDIC on QRM Rules, housing finance, and covered bonds. Discussions with the Consumer Financial Protection Bureau (CFPB) on RESPA/Truth in Lending Act (TILA) harmonization, Qualified Mortgage (QM) rules, appraisal independence, housing finance, home warranties, and QM/ORM. Discussions with the National Economic Council (NEC) on mortgage cancellation relief. Discussions with the White House Office of Public Engagement on mortgage cancellation relief. Discussions with the Securities and Exchange Commission (SEC) on QRM rules. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration and QRM rules. Discussions with the Federal Reserve on the House White Paper and U.S. banking policy. Conversations with the Office of Management and Budget (OMB) on fair value accounting.

Client expense: $6,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

H.R.1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions.Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and other purposes. H.R.836, Emergency Mortgage Relief Program Termination Act. All Provisions. Rescinds the unobligated funding for the Emergency Mortgage Relief Program and terminates the program. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 1225, GSE Debt Issuance Approval Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, prevents foreclosure fraud, and for other purposes S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 1977, FHA Reform Act of 2011. All Provisions. Improves the financial safety and soundness of the FHA mortgage insurance program. H.R.1754, Preserving Equal Access to Mortgage Finance Programs Acts. All Provisions. Permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 2126, Risk and Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and for other purposes. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. H.R. 1309, Flood Insurance Reform Act of 2011. All Provisions. Extends the authorization of the national flood insurance program, achieve reforms to improve the financial integrity and stability of the program, and increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 1284, All Provisions. Amends the National Floor Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. S. 967, Merkley Regulation of Mortgages Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. S.489, Preserving Homes and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. H.R. 3849, Preserving Access to Manufactured Housing Act. All Provisions. Amends S.A.F.E. Mortgage Licensing Act of 2008 to provide an exception from the definition of loan originator for certain loans made with respect to manufactured homes, amends the Truth in Lending Act to modify the definition of a high-cost mortgage, and for other purposes. S.2072, Helping Homeowners Refinance Act. All Provisions. Discourages disincentives to the housing missions of government sponsored enterprises and requires consistent putback risks at the enterprises to assist homeowners. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. All Provisions. Helps ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. S. 2120, Prompt Notifications of Short Sales Act. All Provisions. Requires the lender or servicer of a home mortgage upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 2099, All Provisions. Amends the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 3606, Reopening American Capital Markets to Emerging Growth Companies Act of 2012. All Provisions. Increases American job creation and economic growth by improving access to the public capital markets for emerging growth companies. H.R. 4323, Consumer Mortgage Choice Act (Qualified Mortgage Bill). All Provisions. Amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 1813, Transportation Research and Innovative Technology Act of 2012. All Provisions. Reauthorizes Federal-aid highway and highway safety construction programs, and for other purposes.

Client expense: $684,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expands coverage to include commercial property insurance, and other purposes. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes.

Client expense: $684,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

S. 782, Economic Development Revitalization Act of 2011. All Provisions. Amends the Public Works and Economic Development Act of 1965 to reauthorize that Act, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and other purposes. H.R. 1754, Preserving Equal Access to Mortgage Finance Programs Act. All Provisions. Permanently increases the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expand coverage to include commercial property insurance, and other purposes. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 830, FHA Refinance Program Termination Act. All Provisions. Rescinds the unobligated funding for the FHA Refinance Program and terminates the program. H.R. 1224, GSE Portfolio Risk Reduction Act of 2011. All Provisions. Increases the rate of the required annual reductions of the reatined portfolios of Fannie Mae & Freddie Mac. H.R. 1221, Equity in Government Compensation Act of 2011. All Provisions. Suspends the current compensation packages for the senior executives of Fannie Mae & Freddie Mac and establishes compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 1222, GSE Subsidy Elimination Act of 2011. All Provisions. Increases the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises. H.R. 1226, GSE Improvement Act of 2011. All Provisions. Repeals the affordable housing goals for Fannie Mae and Freddie Mac. H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011. All Provisions. Requires the Inspector General of the Federal Housing Finance Agency to submit quarterly reports to the Congress during the conservatorship of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. H.R. 1227, GSE Risk and Activities Limitation Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from offering any new products during the term of any conservatorship or receivership of such enterprises H.R. 1225, GSE Debt Issuance Approval Act of 2011. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, to establish a grant program for State and local government mediation programs, and for other purposes S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and for other purposes. S. 527, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. HR 861, Neighborhood Stabilization Program Termination Act. Rescinds the third round of funding for the Neighborhood Stabilization Program and to terminate the program. S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes.

Client expense: $684,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office