Housing Trust Fund Elimination Act of 2011

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

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

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

H.R. 2441, the Housing Trust Fund Elimination Act; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Eliminate the GSE Charter During Receivership; H.R. 2462, Cap the GSE Bailout Act; H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act; H.R. 1222 , GSE Subsidy Elimination Act of 2011; H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011; H.R. 1224, Portfolio Risk Reduction Act of 2011; H.R. 1225, GSE Debt Issuance Approval Act of 2011; H.R. 1226, GSE Mission Improvement Act of 2011; H.R. 1227, GSE Risk and Activities Limitation Act of 2011; H.R. 830, FHA Refinance Program Termination Act; H.R. 836, Emergency Mortgage Relief Program Termination Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2441, the Housing Trust Fund Elimination Act; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Eliminate the GSE Charter During Receivership; H.R. 2462, Cap the GSE Bailout Act; H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act; H.R. 1222 , GSE Subsidy Elimination Act of 2011; H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011; H.R. 1224, Portfolio Risk Reduction Act of 2011; H.R. 1225, GSE Debt Issuance Approval Act of 2011; H.R. 1226, GSE Mission Improvement Act of 2011; H.R. 1227, GSE Risk and Activities Limitation Act of 2011; H.R. 830, FHA Refinance Program Termination Act; H.R. 836, Emergency Mortgage Relief Program Termination Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Treatment of Prepaid FHA Loans S488 - Reduce Excessive Interest Payments (REIP) Act S782 - Economic Development Revitalization Act of 2011 FHA & GSE Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act Changes to FHA & GSE Loan Limits 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. HR2441 - Housing Trust Fund Elimination Act Enhancement, Enforcement and Oversight of FHA, Changes to Loan Limits HR1977 - FHA Reform Act of 2011 FHA HR4264 - FHA Emergency Fiscal Solvency Act of 2012 HR881 - The Americans with Disabilities Act Notification Act of 2011 HR4172 - Second Chance at Home Ownership Act of 2012 Rural Housing Programs S878 - Rural Housing Preservation Act of 2011 HR273 - Rural Housing Preservation Act of 2011 HR2761 - A bill to amend section 520 of the Housing Act of 1949 to provide flexibility to the definition of rural areas HR5973 - Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2013 S3240 - Agriculture Reform, Food, and Jobs Act of 2012 S3541 - A bill to amend section 520 of the Housing Act of 1949 to revise the census data and population requirements for areas to be considered as rural areas for purposes of such act. Changes to the Truth in Lending Act HR4323 - Consumer Mortgage Choice Act Veterans Housing Programs HR4482 - To amend title 38, United States Code, to make permanent home loan guaranty programs for veterans regarding adjustable rate mortgages and hybrid adjustable rate mortgages. Housing Counseling and Education HR5884 - Homeownership Preservation Education Act of 2012 American Community Survey (Census) HR5326 - FY 2013 Commerce, Justice, Science Appropriations bill Discussions with the Department of Agriculture on rural housing loans. Discussions with the U.S. Department of Veterans Affairs (VA) on VA home loans. Discussions withe the Department of Housing and Urban Development (HUD) on the Fair Housing Act (FHA). Discussions with the Environmental Protection Agency regarding lead paint. Conversations with the Federal Trade Commission (FTC) on mortgage assistance relief services.

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

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

PL111-203 Dodd Frank Wall Street Reform and Consumer Protection Act; specifically credit risk retention, systemic risk regulation, the Federal Insurance Office and derivatives regulation Administration Report to Congress: Reforming America's Housing Finance Market HR1222 GSE Subsidy Elimination Act HR1223 GSE Credit Risk and Equitable Treatment Act HR1224 GSE Portfolio Reduction Act HR1227 GSE Risk and Activities Limitation Act S693 GSE Bailout Elimination and Taxpayer Protection Act S712 Financial Takeover Repeal Act of 2011 HR 2441 Housing Trust Fund Elimination Act HR 463 Fannie Mae and Freddie Mac Transparency Act of 2011 HR 2436 Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 HR 2439 Removing GSEs Charter During Receivership Act of 2011 HR 2462 Cap the GSE Bailout Act of 2011 HR 2440 Market Transparency and Taxpayer Protection Act of 2011 FHA Reform FHA Loan Limits Fair Credit Reporting Act HR1963 Mortgage Finance Act of 2011 S1834 Residential Mortgage Privatization and Standardization Act of 2011 HR772 Extended Tax Relief for All Act of 2011 HR3630 Temporary Payroll Tax Cut Continuation Act of 2011 HR3743 Temporary Payroll Tax Cut Continuation Act of 2011 HR1018 To amend the Internal Revenue Code of 1986, to make permanant the deduction for mortgage insurance premiums HR4264 FHA Emergency Fiscal Solvency Act of 2012 S3085 Responsible Homeowner Refinancing Act of 2012

Client expense: $1,020,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

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

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

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

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

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

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

H.R. 2441, the Housing Trust Fund Elimination Act; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Eliminate the GSE Charter During Receivership; H.R. 2462, Cap the GSE Bailout Act; H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act; H.R. 1222 , GSE Subsidy Elimination Act of 2011; H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011; H.R. 1224, Portfolio Risk Reduction Act of 2011; H.R. 1225, GSE Debt Issuance Approval Act of 2011; H.R. 1226, GSE Mission Improvement Act of 2011; H.R. 1227, GSE Risk and Activities Limitation Act of 2011; H.R. 830, FHA Refinance Program Termination Act; H.R. 836, Emergency Mortgage Relief Program Termination Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2441, the Housing Trust Fund Elimination Act; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Eliminate the GSE Charter During Receivership; H.R. 2462, Cap the GSE Bailout Act; H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act; H.R. 1222 , GSE Subsidy Elimination Act of 2011; H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011; H.R. 1224, Portfolio Risk Reduction Act of 2011; H.R. 1225, GSE Debt Issuance Approval Act of 2011; H.R. 1226, GSE Mission Improvement Act of 2011; H.R. 1227, GSE Risk and Activities Limitation Act of 2011; H.R. 830, FHA Refinance Program Termination Act; H.R. 836, Emergency Mortgage Relief Program Termination Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 31 (The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011); H.R. 1221 (The Equity in Government Compensation Act); H.R. 1222 (The GSE Subsidy Elimination Act); H.R. 1223 (The GSE Credit Risk Equitable Treatment Act); H.R. 1223 (GSE Credit Risk Equitable Treatment Act of 2011); H.R. 1224 (The Portfolio Risk Reduction Act); H.R. 1225 (The GSE Debt Issuance Approval Act); H.R. 1226 (The GSE Mission Improvement Act); H.R. 1227 (The GSE Risk and Activities Limitation Act); H.R. 1859 (Housing Finance Reform Act of 2011); H.R. 2413 (Secondary Market Facility for Residential Mortgages Act); H.R. 2425 (Transparency and Security in Mortgage Registration Act); H.R. 2428 (GSE Legal Fee Reduction Act); H.R. 2436 (Fannie Mae and Freddie Mac Taxpayer Payback Act); H.R. 2439 (Removing GSEs Charters During Receivership Act); H.R. 2440 (Market Transparency and Taxpayer Protection Act); H.R. 2441 (Housing Trust Fund Elimination Act); H.R. 2446 (RESPA Home Warranty Clarification Act); H.R. 2509 (Preserving Consumers' Mortgage Origination Choices Act); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation; Housing Affordability and Stability Plan; Housing finance reform; Servicing compensation; Credit Rating Agency Reform; Strategic plan for conservatorships of the GSEs.

Client expense: $1,530,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 31 (The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011); H.R. 1221 (The Equity in Government Compensation Act); H.R. 1222 (The GSE Subsidy Elimination Act); H.R. 1223 (The GSE Credit Risk Equitable Treatment Act); H.R. 1223 (GSE Credit Risk Equitable Treatment Act of 2011); H.R. 1224 (The Portfolio Risk Reduction Act); H.R. 1225 (The GSE Debt Issuance Approval Act); H.R. 1226 (The GSE Mission Improvement Act); H.R. 1227 (The GSE Risk and Activities Limitation Act); H.R. 1859 (Housing Finance Reform Act of 2011); H.R. 2413 (Seconday Market Facility for Residential Mortgages Act); H.R. 2425 (Transparency and Security in Mortgage Registration Act; H.R. 2428 (GSE Legal Fee Reduction Act); H.R. 2436 (Fannie Mae and Freddie Mac Taxpayer Payback Act); H.R. 2439 (Removing GSEs Charters During Receivership Act); H.R. 2440 (Market Transparency and Taxapayer Protection Act); H.R. 2441 (Housing Trust Fund Elimination Act); H.R. 2446 (RESPA Home Warranty Clarification Act); H.R. 2509 (Preserving Consumers' Mortgage Origination Choices Act); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation; Housing Affordability and Stability Plan; Housing finance reform; Servicing compensation; Credit Rating Agency Reform.

Client expense: $1,380,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

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

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

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

PL111-203 Dodd Frank Wall Street Reform and Consumer Protection Act; specifically credit risk retention, systemic risk regulation, the Federal Insurance Office and derivatives regulation Administration Report to Congress: Reforming America's Housing Finance Market HR1222 GSE Subsidy Elimination Act HR1223 GSE Credit Risk and Equitable Treatment Act HR1224 GSE Portfolio Reduction Act HR1227 GSE Risk and Activities Limitation Act S693 GSE Bailout Elimination and Taxpayer Protection Act S712 Financial Takeover Repeal Act of 2011 HR 2441 Housing Trust Fund Elimination Act HR 463 Fannie Mae and Freddie Mac Transparency Act of 2011 HR 2436 Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 HR 2439 Removing GSEs Charter During Receivership Act of 2011 HR 2462 Cap the GSE Bailout Act of 2011 HR 2440 Market Transparency and Taxpayer Protection Act of 2011 FHA Reform FHA Loan Limits Fair Credit Reporting Act HR1963 Mortgage Finance Act of 2011 S1834 Residential Mortgage Privatization and Standardization Act of 2011 HR772 Extended Tax Relief for All Act of 2011 HR3630 Temporary Payroll Tax Cut Continuation Act of 2011 HR3743 Temporary Payroll Tax Cut Continuation Act of 2011 HR1018 To amend the Internal Revenue Code of 1986, to make permanant the deduction for mortgage insurance premiums HR4264 FHA Emergency Fiscal Solvency Act of 2012 S3085 Responsible Homeowner Refinancing Act of 2012

Client expense: $1,740,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), 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

Treatment of Prepaid FHA Loans S488 - Reduce Excessive Interest Payments (REIP) Act S782 - Economic Development Revitalization Act of 2011 FHA & GSE Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act Changes to FHA & GSE Loan Limits 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. HR2441 - Housing Trust Fund Elimination Act Enhancement, Enforcement and Oversight of FHA, Changes to Loan Limits HR1977 - FHA Reform Act of 2011 FHA HR4264 - FHA Emergency Fiscal Solvency Act of 2012 HR881 - The Americans with Disabilities Act Notification Act of 2011 HR4172 - Second Chance at Home Ownership Act of 2012 Rural Housing Programs S878 - Rural Housing Preservation Act of 2011 HR273 - Rural Housing Preservation Act of 2011 HR2761 - A bill to amend section 520 of the Housing Act of 1949 to provide flexibility to the definition of rural areas HR5973 - Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2013 S3240 - Agriculture Reform, Food, and Jobs Act of 2012 S3541 - A bill to amend section 520 of the Housing Act of 1949 to revise the census data and population requirements for areas to be considered as rural areas for purposes of such act. Changes to the Truth in Lending Act HR4323 - Consumer Mortgage Choice Act Veterans Housing Programs HR4482 - To amend title 38, United States Code, to make permanent home loan guaranty programs for veterans regarding adjustable rate mortgages and hybrid adjustable rate mortgages. Housing Counseling and Education HR5884 - Homeownership Preservation Education Act of 2012 American Community Survey (Census) HR5326 - FY 2013 Commerce, Justice, Science Appropriations bill Discussions with the Federal Housing Administration (FHA) within the Department of Housing and Urban Development (HUD) on condominium issues. Discussions with the Department of Agriculture, Rural Development office on rural housing programs. Discussions with the Federal Housing Finance Agency on the Real Estate Owned (REO) to rental pilot program, GSE (short sales), Strategic Plan Government-Financed Construction Contracts (GFCC), and eminent domain. Discussions with the U.S. Department of Veterans Affairs on the loan guaranty program. Discussions withe the Department of Housing and Urban Development (HUD) on the Fair Housing Act (FHA) and assisted housing.

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

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

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

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

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

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

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

Treatment of Prepaid FHA Loans S488 - Reduce Excessive Interest Payments (REIP) Act S782 - Economic Development Revitalization Act of 2011 FHA & GSE Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act Changes to FHA & GSE Loan Limits 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. HR2441 - Housing Trust Fund Elimination Act Enhancement, Enforcement and Oversight of FHA, Changes to Loan Limits HR1977 - FHA Reform Act of 2011 FHA HR4264 - FHA Emergency Fiscal Solvency Act of 2012 HR881 - The Americans with Disabilities Act Notification Act of 2011 HR4172 - Second Chance at Home Ownership Act of 2012 Rural Housing Programs S878 - Rural Housing Preservation Act of 2011 HR273 - Rural Housing Preservation Act of 2011 HR2761 - A bill to amend section 520 of the Housing Act of 1949 to provide flexibility to the definition of rural areas HR5973 - Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2013 S3240 - Agriculture Reform, Food, and Jobs Act of 2012 Changes to the Truth in Lending Act HR4323 - Consumer Mortgage Choice Act Veterans Housing Programs HR4482 - To amend title 38, United States Code, to make permanent home loan guaranty programs for veterans regarding adjustable rate mortgages and hybrid adjustable rate mortgages. Housing Counseling and Education HR5884 - Homeownership Preservation Education Act of 2012 American Community Survey (Census) HR5326 - FY 2013 Commerce, Justice, Science Appropriations bill Discussions with the Federal Housing Administration (FHA) withtin the Department of Housing and Urban Development (HUD) on condominium issues, the 203(k) program, Section 8 housing, seller concessions, and real estate commissions. Discussions with the Department of Agriculture, Rural Development office on multifamily housing, rural housing programs and delays in contract closings. Discussions with the Federal Housing Finance Agency on the Real Estate Owned (REO) to rental pilot program and REO bulk sales. Discussions with the U.S. Department of Veterans Affairs on the loan guarantee program, condominiums, and appraisals. Discussions withe the Department of Housing and Urban Development (HUD) on the Fair Housing Act (FHA).

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

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. 2441, the Housing Trust Fund Elimination Act; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Eliminate the GSE Charter During Receivership; H.R. 2462, Cap the GSE Bailout Act; H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act; H.R. 1222 , GSE Subsidy Elimination Act of 2011; H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011; H.R. 1224, Portfolio Risk Reduction Act of 2011; H.R. 1225, GSE Debt Issuance Approval Act of 2011; H.R. 1226, GSE Mission Improvement Act of 2011; H.R. 1227, GSE Risk and Activities Limitation Act of 2011; H.R. 830, FHA Refinance Program Termination Act; H.R. 836, Emergency Mortgage Relief Program Termination Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R. 1309, the Flood Insurance Reform and Modernization Act; S. 1940; Qualified mortgage issues; S. 3085 Responsible Homeowners Re-Financing Act of 2012; H.R. 4348, Flood insurance issues H.R. 1221, Equity in Government Compensation Act of 2011; the Market Transparency and Taxpayer Protection Act; H.R. 1859, Housing Finance Reform Act of 2011; H.R. 2441, Housing Trust Fund Elimination Act of 2011; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Removing GSEs Charters During Receivership Act of 2011; H.R. 2462, Cap the GSE Bailout Act of 2011; Market Transparency and Taxpayer Protection Act of 2011; H.R. 3644, Private Mortgage Market Investment Act; H.R. 1121, the Responsible Consumer Financial Protection Regulation Act of 2011; H.R. 1315, the Responsible Consumer Financial Safety and Soundness Act of 2011; FY 2013 THUD appropriations, H.R. 4014: To amend the Federal Deposit Insurance Act; S. 2099: A bill to amend the Federal Deposit Insurance Act; GSE reform issues, GSE g-fee issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2441, the Housing Trust Fund Elimination Act; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Eliminate the GSE Charter During Receivership; H.R. 2462, Cap the GSE Bailout Act; H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act; H.R. 1222 , GSE Subsidy Elimination Act of 2011; H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011; H.R. 1224, Portfolio Risk Reduction Act of 2011; H.R. 1225, GSE Debt Issuance Approval Act of 2011; H.R. 1226, GSE Mission Improvement Act of 2011; H.R. 1227, GSE Risk and Activities Limitation Act of 2011; H.R. 830, FHA Refinance Program Termination Act; H.R. 836, Emergency Mortgage Relief Program Termination Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 31 (The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011); H.R. 1221 (The Equity in Government Compensation Act); H.R. 1222 (The GSE Subsidy Elimination Act); H.R. 1223 (The GSE Credit Risk Equitable Treatment Act); H.R. 1223 (GSE Credit Risk Equitable Treatment Act of 2011); H.R. 1224 (The Portfolio Risk Reduction Act); H.R. 1225 (The GSE Debt Issuance Approval Act); H.R. 1226 (The GSE Mission Improvement Act); H.R. 1227 (The GSE Risk and Activities Limitation Act); H.R. 1859 (Housing Finance Reform Act of 2011); H.R. 2413 (Seconday Market Facility for Residential Mortgages Act); H.R. 2425 (Transparency and Security in Mortgage Registration Act; H.R. 2428 (GSE Legal Fee Reduction Act); H.R. 2436 (Fannie Mae and Freddie Mac Taxpayer Payback Act); H.R. 2439 (Removing GSEs Charters During Receivership Act); H.R. 2440 (Market Transparency and Taxapayer Protection Act); H.R. 2441 (Housing Trust Fund Elimination Act); H.R. 2446 (RESPA Home Warranty Clarification Act); H.R. 2509 (Preserving Consumers' Mortgage Origination Choices Act); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation; Housing Affordability and Stability Plan; Housing finance reform; Servicing compensation; Credit Rating Agency Reform.

Client expense: $1,330,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

PL111-203 Dodd Frank Wall Street Reform and Consumer Protection Act; specifically credit risk retention, systemic risk regulation, the Federal Insurance Office and derivatives regulation Administration Report to Congress: Reforming America's Housing Finance Market HR1222 GSE Subsidy Elimination Act HR1223 GSE Credit Risk and Equitable Treatment Act HR1224 GSE Portfolio Reduction Act HR1227 GSE Risk and Activities Limitation Act S693 GSE Bailout Elimination and Taxpayer Protection Act S712 Financial Takeover Repeal Act of 2011 HR 2441 Housing Trust Fund Elimination Act HR 463 Fannie Mae and Freddie Mac Transparency Act of 2011 HR 2436 Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 HR 2439 Removing GSEs Charter During Receivership Act of 2011 HR 2462 Cap the GSE Bailout Act of 2011 HR 2440 Market Transparency and Taxpayer Protection Act of 2011 FHA Reform FHA Loan Limits Fair Credit Reporting Act HR1963 Mortgage Finance Act of 2011 S1834 Residential Mortgage Privatization and Standardization Act of 2011 HR772 Extended Tax Relief for All Act of 2011 HR3630 Temporary Payroll Tax Cut Continuation Act of 2011 HR3743 Temporary Payroll Tax Cut Continuation Act of 2011 HR1018 To amend the Internal Revenue Code of 1986, to make permanant the deduction for mortgage insurance premiums HR4264 FHA Emergency Fiscal Solvency Act of 2012 S3085 Responsible Homeowner Refinancing Act of 2012

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

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

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

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

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

Treatment of Prepaid FHA Loans S488 - Reduce Excessive Interest Payments (REIP) Act S782 - Economic Development Revitalization Act of 2011 FHA & GSE Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act Changes to FHA & GSE Loan Limits 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. HR2441 - Housing Trust Fund Elimination Act Enhancement, Enforcement and Oversight of FHA, Changes to Loan Limits HR1977 - FHA Reform Act of 2011 FHA HR4264 - FHA Emergency Fiscal Solvency Act of 2012 HR881 - The Americans with Disabilities Act Notification Act of 2011 Rural Housing Programs S878 - Rural Housing Preservation Act of 2011 HR273 - Rural Housing Preservation Act of 2011 HR2761 - A bill to amend section 520 of the Housing Act of 1949 to provide flexibility to the definition of rural areas Changes to the Truth in Lending Act HR4323 - Consumer Mortgage Choice Act Discussions with the Federal Housing Administration (FHA) withtin the Department of Housing and Urban Development (HUD) on condominium issues, the 203(k) program, Section 8 housing, and seller concessions. Discussions with the Department of Agriculture, Rural Development office on multifamily housing. Discussions with the Federal Housing Finance Agency on the Real Estate Owned (REO) to rental pilot program and REO bulk sales.

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

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

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

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

H.R. 31 (The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011); H.R. 1221 (The Equity in Government Compensation Act); H.R. 1222 (The GSE Subsidy Elimination Act); H.R. 1223 (The GSE Credit Risk Equitable Treatment Act); H.R. 1223 (GSE Credit Risk Equitable Treatment Act of 2011); H.R. 1224 (The Portfolio Risk Reduction Act); H.R. 1225 (The GSE Debt Issuance Approval Act); H.R. 1226 (The GSE Mission Improvement Act); H.R. 1227 (The GSE Risk and Activities Limitation Act); H.R. 1859 (Housing Finance Reform Act of 2011); H.R. 2413 (Seconday Market Facility for Residential Mortgages Act); H.R. 2425 (Transparency and Security in Mortgage Registration Act; H.R. 2428 (GSE Legal Fee Reduction Act); H.R. 2436 (Fannie Mae and Freddie Mac Taxpayer Payback Act); H.R. 2439 (Removing GSEs Charters During Receivership Act); H.R. 2440 (Market Transparency and Taxapayer Protection Act); H.R. 2441 (Housing Trust Fund Elimination Act); H.R. 2446 (RESPA Home Warranty Clarification Act); H.R. 2509 (Preserving Consumers' Mortgage Origination Choices Act); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation; Housing Affordability and Stability Plan; Servicing compensation; Credit Rating Agency Reform.

Client expense: $1,270,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

Treatment of Prepaid FHA Loans S488 - Reduce Excessive Interest Payments (REIP) Act S782 - Economic Development Revitalization Act of 2011 FHA & GSE Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act Changes to FHA & GSE Loan Limits 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. HR2441 - Housing Trust Fund Elimination Act Enhancement, Enforcement and Oversight of FHA, Changes to Loan Limits HR1977 - FHA Reform Act of 2011 FHA HR4264 - FHA Emergency Fiscal Solvency Act of 2012 HR881 - The Americans with Disabilities Act Notification Act of 2011 Rural Housing Programs S878 - Rural Housing Preservation Act of 2011 HR273 - Rural Housing Preservation Act of 2011 HR2761 - A bill to amend section 520 of the Housing Act of 1949 to provide flexibility to the definition of rural areas Changes to the Truth in Lending Act HR4323 - Consumer Mortgage Choice Act Discussions with the Federal Housing Administration (FHA) withtin the Department of Housing and Urban Development (HUD) on condominium issues, the 203(k) program, Section 8 housing, and seller concessions. Discussions with the Department of Agriculture, Rural Development office on multifamily housing. Discussions with the Federal Housing Finance Agency on the Real Estate Owned (REO) to rental pilot program and REO bulk sales.

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

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. 2441, the Housing Trust Fund Elimination Act; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Eliminate the GSE Charter During Receivership; H.R. 2462, Cap the GSE Bailout Act; H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act; H.R. 1222 , GSE Subsidy Elimination Act of 2011; H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011; H.R. 1224, Portfolio Risk Reduction Act of 2011; H.R. 1225, GSE Debt Issuance Approval Act of 2011; H.R. 1226, GSE Mission Improvement Act of 2011; H.R. 1227, GSE Risk and Activities Limitation Act of 2011; H.R. 830, FHA Refinance Program Termination Act; H.R. 836, Emergency Mortgage Relief Program Termination Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R. 1309, the Flood Insurance Reform and Modernization Act; H.R. 1315, the Consumer Financial Protection Safety and Soundness Improvement Act of 2011; H.R. 1667, the Bureau of Consumer Financial Protection Transfer Clarification Act; H.R. 3630, A bill to extend the payroll tax holiday. H.R. 1221, Equity in Government Compensation Act of 2011; the Market Transparency and Taxpayer Protection Act; H.R. 1859, Housing Finance Reform Act of 2011; H.R. 2441, Housing Trust Fund Elimination Act of 2011; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Removing GSEs Charters During Receivership Act of 2011; H.R. 2462, Cap the GSE Bailout Act of 2011; S.627, Budget Control Act of 2011, H.R 2440, Market Transparency and Taxpayer Protection Act of 2011; H.R. 3630, Temporary Payroll Tax Cut Continuation Act of 2011; H.R. 3671, Consolidated Appropriations Act of 2012; H.R. 2112, Consolidated and Further Continuing Appropriations Act of 2012; H.R. 3644, Private Mortgage Market Investment Act; H.R. 1121, the Responsible Consumer Financial Protection Regulation Act of 2011; H.R. 1315, the Responsible Consumer Financial Safety and Soundness Act of 2011; H.R. __ (Discussion Draft) that would delay transfer of power, FY 2013 THUD appropriations, H.R. 4014: To amend the Federal Deposit Insurance Act; S. 2099: A bill to amend the Federal Deposit Insurance Act; GSE reform issues, GSE g-fee issues.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2441, the Housing Trust Fund Elimination Act; H.R. 463, Fannie Mae and Freddie Mac Transparency Act of 2011; H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011; H.R. 2439, Eliminate the GSE Charter During Receivership; H.R. 2462, Cap the GSE Bailout Act; H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act; H.R. 1222 , GSE Subsidy Elimination Act of 2011; H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011; H.R. 1224, Portfolio Risk Reduction Act of 2011; H.R. 1225, GSE Debt Issuance Approval Act of 2011; H.R. 1226, GSE Mission Improvement Act of 2011; H.R. 1227, GSE Risk and Activities Limitation Act of 2011; H.R. 830, FHA Refinance Program Termination Act; H.R. 836, Emergency Mortgage Relief Program Termination Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 463, the Fannie Mae and Freddie Mac Transparency Act of 2011 H.R. 830, the FHA Refinance Program Termination Act H.R. 836, the Emergency Mortgage Relief Program Termination Act H.R. 839, the HAMP Termination Act of 2011 H.R. 861, the NSP Termination Act H.R. 1182, the GSE Bailout Elimination and Taxpayer Protection Act H.R. 1221, the Equity in Government Compensation Act of 2011 (all provisions) H.R. 1222, the GSE Subsidy Elimination Act of 2011 (all provisions) H.R. 1224, the GSE Portfolio Risk Reduction Act of 2011 (all provisions) H.R. 1225, the GSE Debt Issuance Approval Act of 2011 (all provisions) H.R. 2436, the Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 H.R. 2439, the Removing GSEs Charters During Receivership Act of 2011 H.R. 2440, the Market Transparency and Taxpayer Protection Act of 2011 H.R. 2441, the Housing Trust Fund Elimination Act of 2011 H.R. 2446, the RESPA Home Warranty Clarification Act of 2011 H.R. 2462, the Cap the GSE Bailout Act of 2011 H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012 Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal)

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

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

Financial Institutions Examination Fairness and Reform Act (H.R. 3461 / S. 2160); The Small Business Lending Enhancement Act (H.R. 1418 / S. 509/ S. 2231); credit union member business lending; The Jumpstart Our Business Startups Act (H.R. 3606); Udall amendment (S.Amdt 1831) to H.R. 3606 to raise the credit union member business lending cap; Providing for consideration of H.R. 3606 (H.Res.572); Communities First Act (H.R. 1697); Restore Main Streets Credit Act (H.R. 4293); Credit Union Small Business Lending Act (H.R. 4191); Small Business Administration loan guarantee and lending programs; Capital Access for Small Businesses and Jobs Act (H.R. 3993); credit union access to supplemental capital; To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (H.R. 3871 / H.R. 4014 / S.2099); confidentiality of information provided by a financial institution to the Consumer Financial Protection Bureau; Government Sponsored Enterprise Reform; strategic defaults on mortgage loans; principal reduction on mortgage loans; mortgage bankruptcy cram-down; housing finance reform; The Private Mortgage Market Investment Act (H.R. 3654); Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463); Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436); The Housing Trust Fund Elimination Act (H.R. 2441); The Market Transparency and Taxpayer Protection Act (H.R. 2440); Cap the GSE Bailout Act (H.R. 2462); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act (H.R. 31); Equity in Government Compensation Act of 2011 (H.R. 1221); GSE Subsidy Elimination Act of 2011 (H.R. 1222); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224); GSE Debt Issuance Approval Act of 2011 (H.R. 1225); GSE Mission Improvement Act of 2011 (H.R. 1226); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182); Housing Finance Reform Act of 2011 (H.R. 1859); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413); Residential Mortgage Market Privatization and Standardization Act of 2011 (S. 1834); Federal Home Loan Bank oversight issues; Qualified Residential Mortgage (QRM) definition; Fannie Mae / Freddie Mac guarantee-fee structure; Mortgage Servicing Standards; 30 year fixed-rate mortgage; Credit union tax exemption; Pay Roll Tax Extension Middle Class Tax Relief and Job Creation Act of 2012 (H.R. 3630); Temporary Payroll Tax Cut Continuation Act of 2011(H.R. 3765 / P.L. 122-78); Interchange Fees; Debit Interchange Fees; Consumers Payment System Protection Act (H.R. 1081); Debit Interchange Fee Study Act of 2011 (S.575 and S.Amdt. # 392); Flood insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091); National Flood Insurance Program Extension Act (S. 1548); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026); Data Security; Cyber Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315); Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Regulatory Relief for Credit Unions; Credit union capital under prompt corrective action; Credit unions and ability to add underserved areas to their fields of membership; Community charter conversions involving employee group credit unions; NCUA authority to establish longer maturities for certain credit union loans; Credit union governance issues; Voluntary credit union mergers involving multiple common bond credit unions; Interest on Lawyers Trust Accounts; Automatic Teller Machine (ATM) fee disclosures; Service members Civil Relief Act; Military Lending Act; Military Installation & Military Personnel Financial Services;; BRAC (Defense Base Closure and Realignment Commission); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); Consumer Financial Protection Bureau (CFPB); CFPB request for comment on regulatory streamlining (Regulation Z, relating to mortgages and credit cards lender cost of funds disclosure required on mortgage disclosures changes to the rules implementing the Mortgage Disclosure Improvement Act; changes that would permit a credit card issuer to consider household income when determining whether a consumer has the ability to repay; modifying requirement to reevaluate APR increases; requirement that lenders provide borrowers an annual statement regarding billing rights; higher transaction threshold for coverage under Reg Z similar exemption for the special rules for private student loans; Regulation E ATM fee disclosure notices; truncation of account number on periodic statement; Regulation E annual notice regarding error resolution; Regulation P requirement of annual privacy notices; Regulation C- institutions that refinance a single loan in a calendar year must file a Home Mortgage Disclosure Act (HMDA) report; Regulation V regarding lenders making firm offers of credit to include opt-out disclosures; Regulation B adverse action notices; CFPB draft of the prototype mortgage disclosure forms to be provided at settlement; CFPB potential changes to Regulation Z, and encouraging mindfulness of obligations under the Small Business Regulatory Enforcement and Fairness Act; CFPB request for comment on disclosure requirements for depository institutions lacking federal deposit insurance; credit union representation on CFPB advisory panels; CFPB proposed disclosure policy regarding credit card complaint data; CFPB draft credit card disclosure; FHFA strategic plan for enterprise conservatorship; FHFA proposed rule to require Federal Home Loan Banks to verify a members Community Reinvestment Act rating from publicly available information from the members banking regulatory agency; NCUA advanced notice of proposed rulemaking on potential independent authority for credit unions to engage in derivatives; Department of Housing and Urban Development and the Federal Housing Administration, concerns about strategic default on home mortgages; Internal Revenue Service definition of government plan under the Internal Revenue Code (IRC) 414(d); NCUA implementation of Section 342 of the Dodd-Frank Act regaring diversity policies and practices; NCUA regulations on community charters where the community in question is also a rural district; NCUA proposed rule on loan workouts and nonaccrual policy, and regulatory reporting of troubled debt restructured loans; NCUA proposed changes to the RegFlex program; NCUA proposed rule on loan participations; NCUA proposals on maintaining access to emergency liquidity; Federal Reserve proposed changes to Regulation D regarding reserve requirements for depository institutions; Federal Reserve request for comment regarding surveys to be conducted to help implement section 920 of the Electronic Fund transfer Act; NACHA-the Electronic Payments Association proposed rule on Expedited Processing and Settlement (EPS); Financial Crimes Enforcement Network regarding the Bank Secrecy Act reports; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage (CFPB); Federal Reserve proposed changes to Regulation E regarding international remittance transfers (CFPB); National Credit Union Administration proposed rule regarding Credit Union Services Organizations; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances.

Client expense: $550,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Financial Institutions Examination Fairness and Reform Act (H.R. 3461 / S. 2160); The Small Business Lending Enhancement Act (H.R. 1418 / S. 509/ S. 2231); credit union member business lending; The Jumpstart Our Business Startups Act (H.R. 3606); Udall amendment (S.Amdt 1831) to H.R. 3606 to raise the credit union member business lending cap; Providing for consideration of H.R. 3606 (H.Res.572); Communities First Act (H.R. 1697); Restore Main Streets Credit Act (H.R. 4293); Credit Union Small Business Lending Act (H.R. 4191); Small Business Administration loan guarantee and lending programs; Capital Access for Small Businesses and Jobs Act (H.R. 3993); credit union access to supplemental capital; To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (H.R. 3871 / H.R. 4014 / S.2099); confidentiality of information provided by a financial institution to the Consumer Financial Protection Bureau; Government Sponsored Enterprise Reform; strategic defaults on mortgage loans; principal reduction on mortgage loans; mortgage bankruptcy cram-down; housing finance reform; The Private Mortgage Market Investment Act (H.R. 3654); Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463); Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436); The Housing Trust Fund Elimination Act (H.R. 2441); The Market Transparency and Taxpayer Protection Act (H.R. 2440); Cap the GSE Bailout Act (H.R. 2462); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act (H.R. 31); Equity in Government Compensation Act of 2011 (H.R. 1221); GSE Subsidy Elimination Act of 2011 (H.R. 1222); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224); GSE Debt Issuance Approval Act of 2011 (H.R. 1225); GSE Mission Improvement Act of 2011 (H.R. 1226); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182); Housing Finance Reform Act of 2011 (H.R. 1859); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413); Residential Mortgage Market Privatization and Standardization Act of 2011 (S. 1834); Federal Home Loan Bank oversight issues; Qualified Residential Mortgage (QRM) definition; Fannie Mae / Freddie Mac guarantee-fee structure; Mortgage Servicing Standards; 30 year fixed-rate mortgage; Credit union tax exemption; Pay Roll Tax Extension Middle Class Tax Relief and Job Creation Act of 2012 (H.R. 3630); Temporary Payroll Tax Cut Continuation Act of 2011(H.R. 3765 / P.L. 122-78); Interchange Fees; Debit Interchange Fees; Consumers Payment System Protection Act (H.R. 1081); Debit Interchange Fee Study Act of 2011 (S.575 and S.Amdt. # 392); Flood insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091); National Flood Insurance Program Extension Act (S. 1548); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026); Data Security; Cyber Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315); Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Regulatory Relief for Credit Unions; Credit union capital under prompt corrective action; Credit unions and ability to add underserved areas to their fields of membership; Community charter conversions involving employee group credit unions; NCUA authority to establish longer maturities for certain credit union loans; Credit union governance issues; Voluntary credit union mergers involving multiple common bond credit unions; Interest on Lawyers Trust Accounts; Automatic Teller Machine (ATM) fee disclosures; Service members Civil Relief Act; Military Lending Act; Military Installation & Military Personnel Financial Services;; BRAC (Defense Base Closure and Realignment Commission); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); Consumer Financial Protection Bureau (CFPB); CFPB request for comment on regulatory streamlining (Regulation Z, relating to mortgages and credit cards lender cost of funds disclosure required on mortgage disclosures changes to the rules implementing the Mortgage Disclosure Improvement Act; changes that would permit a credit card issuer to consider household income when determining whether a consumer has the ability to repay; modifying requirement to reevaluate APR increases; requirement that lenders provide borrowers an annual statement regarding billing rights; higher transaction threshold for coverage under Reg Z similar exemption for the special rules for private student loans; Regulation E ATM fee disclosure notices; truncation of account number on periodic statement; Regulation E annual notice regarding error resolution; Regulation P requirement of annual privacy notices; Regulation C- institutions that refinance a single loan in a calendar year must file a Home Mortgage Disclosure Act (HMDA) report; Regulation V regarding lenders making firm offers of credit to include opt-out disclosures; Regulation B adverse action notices; CFPB draft of the prototype mortgage disclosure forms to be provided at settlement; CFPB potential changes to Regulation Z, and encouraging mindfulness of obligations under the Small Business Regulatory Enforcement and Fairness Act; CFPB request for comment on disclosure requirements for depository institutions lacking federal deposit insurance; credit union representation on CFPB advisory panels; CFPB proposed disclosure policy regarding credit card complaint data; CFPB draft credit card disclosure; FHFA strategic plan for enterprise conservatorship; FHFA proposed rule to require Federal Home Loan Banks to verify a members Community Reinvestment Act rating from publicly available information from the members banking regulatory agency; NCUA advanced notice of proposed rulemaking on potential independent authority for credit unions to engage in derivatives; Department of Housing and Urban Development and the Federal Housing Administration, concerns about strategic default on home mortgages; Internal Revenue Service definition of government plan under the Internal Revenue Code (IRC) 414(d); NCUA implementation of Section 342 of the Dodd-Frank Act regaring diversity policies and practices; NCUA regulations on community charters where the community in question is also a rural district; NCUA proposed rule on loan workouts and nonaccrual policy, and regulatory reporting of troubled debt restructured loans; NCUA proposed changes to the RegFlex program; NCUA proposed rule on loan participations; NCUA proposals on maintaining access to emergency liquidity; Federal Reserve proposed changes to Regulation D regarding reserve requirements for depository institutions; Federal Reserve request for comment regarding surveys to be conducted to help implement section 920 of the Electronic Fund transfer Act; NACHA-the Electronic Payments Association proposed rule on Expedited Processing and Settlement (EPS); Financial Crimes Enforcement Network regarding the Bank Secrecy Act reports; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage (CFPB); Federal Reserve proposed changes to Regulation E regarding international remittance transfers (CFPB); National Credit Union Administration proposed rule regarding Credit Union Services Organizations; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances.

Client expense: $550,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 940, United States Covered Bond Act of 2011 (all provisions) Premium Capture Cash Reserve Account provision of the proposed rule on credit risk retention under the Dodd-Frank Act (76 Fed. Reg. 24090 (April 29, 2011)). Letter sent to Federal Reserve, SEC, FDIC, Treasury, HUD, and FHFA. S. 2038: STOCK Act, Section 16: Limitation on bonuses to executives of Fannie Mae and Freddie Mac GSE reform H.R. 31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 (all provisions) H.R. 940 - United States Covered Bond Act of 2011 (all provisions); also S.1835 - United States Covered Bond Act H.R. 1221 - Equity in Government Compensation Act of 2011 (all provisions) H.R. 1182 - GSE Bailout Elimination and Taxpayer Protection Act (all provisions) H.R. 1222 - GSE Subsidy Elimination Act of 2011 (all provisions) H.R. 1223 - GSE Credit Risk Equitable Treatment Act of 2011 (all provisions) H.R. 1224 - GSE Portfolio Risk Reduction Act of 2011, GSE portfolio limits; Asked House Financial Services Committee to include possible amendment regarding protecting multifamily as GSE portfolios are reduced H.R. 1225 - GSE Debt Issuance Approval Act of 2011 (all provisions) H.R. 1226 - GSE Mission Improvement Act of 2011 (all provisions) H.R. 1227 - GSE Risk and Activities Limitation Act of 2011 (all provisions); Asked House Financial Services Committee to include possible amendment that would allow GSEs to offer new mortgage products if they protected taxpayers P.L. 111-203, DoddFrank Wall Street Reform and Consumer Protection Act H.R. 1610 - Business Risk Mitigation and Price Stabilization Act of 2011; To provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934 Fair Market Rents Public Proposals for the Future of the Housing Finance System Section 538 Multifamily Loan Guarantee program which is administered by the United States Department of Agricultures (USDA) Rural Development (RD) agency within Housing and Community Facilities. GSE Reform: Immediate Steps to Protect Taxpayers and End the Bailout H.R. 2413 - The Secondary Market Facility for Residential Mortgages Act of 2011 (all provisions) H.R. 1859 - Housing Finance Reform Act of 2011 (all provisions) H.R. 1573 - To facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption. Lease Accounting Rules: Monitored Financial Accounting Standards Board (FASB) action on proposed lease accounting rules that FASB has agreed to reexpose for comment, File Reference: No. 1850-100, Exposure Draft: Leases and Exposure Draft, Leases H.R. 2586 : Swap Execution Facility Clarification Act (all provisions) H.R. 1225 - GSE Debt Issuance Approval Act of 2011 (all provisions) H.R. 463 - Fannie Mae and Freddie Mac Transparency Act of 2011 (all provisions) H.R. 2436 - Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (all provisions) H.R. 2439 - Removing GSEs Charters During Receivership Act of 2011 (all provisions) H.R. 2440 - Market Transparency and Taxpayer Protection Act of 2011 (all provisions) H.R. 2441 - Housing Trust Fund Elimination Act of 2011 (all provisions) H.R. 2462 - Cap the GSE Bailout Act of 2011 (all provisions) S. 693 - GSE Bailout Elimination and Taxpayer Protection Act ; would wind down the GSEs and completely privatize the housing finance system over the next five years. (all provisions) Financial Regulatory Reform: End-Users of Swaps and Other Derivatives H.R. 3664 - Private Mortgage Market Investment Act. (all provisions) S.1834 - Residential Mortgage Market Privatization and Standardization Act of 2011 (all provisions) S.1963 - Mortgage Finance Act of 2011 (all provisions) Comments on Dodd-Frank financial reform law (P.L. 111-203) Meeting (Federal Reserve Board, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Farm Credit Administration and the Federal Housing Finance Agency) End-Users of Swaps and Other Derivatives Letter/communication with Federal Housing Finance Agency re: Warehouse Lending Capacity H.R. 3606 JOBS Act - Amendment to add S. 1835, the U.S. Covered Bond Act, to the JOBS Act H.R. 2586 - Swap Execution Facility Clarification Act (all provisions) H.R. 2779 - Legislation to exempt inter-affiliate swaps from certain regulatory requirements put in place by the Dodd-Frank Wall Street Reform and Consumer Protection Act. (all provisions) H.R. 2682 - Business Risk Mitigation and Price Stabilization Act of 2011 (all provisions) H.R. 4014 - Legislation to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. (all provisions) S. 2099- A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. (all provisions)

Client expense: $443,000 · Firm income: Not reported

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Consumer Product Safety Commission (CPSC), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

PL111-203 Dodd Frank Wall Street Reform and Consumer Protection Act; specifically credit risk retention, systemic risk regulation, the Federal Insurance Office and derivatives regulation Administration Report to Congress: Reforming America's Housing Finance Market HR1222 GSE Subsidy Elimination Act HR1223 GSE Credit Risk and Equitable Treatment Act HR1224 GSE Portfolio Reduction Act HR1227 GSE Risk and Activities Limitation Act S693 GSE Bailout Elimination and Taxpayer Protection Act S712 Financial Takeover Repeal Act of 2011 HR 2441 Housing Trust Fund Elimination Act HR 463 Fannie Mae and Freddie Mac Transparency Act of 2011 HR 2436 Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 HR 2439 Removing GSEs Charter During Receivership Act of 2011 HR 2462 Cap the GSE Bailout Act of 2011 HR 2440 Market Transparency and Taxpayer Protection Act of 2011 FHA Reform FHA Loan Limits Fair Credit Reporting Act HR1963 Mortgage Finance Act of 2011 S1834 Residential Mortgage Privatization and Standardization Act of 2011 HR772 Extended Tax Relief for All Act of 2011 HR3630 Temporary Payroll Tax Cut Continuation Act of 2011 HR3743 Temporary Payroll Tax Cut Continuation Act of 2011 HR1018 To amend the Internal Revenue Code of 1986, to make permanant the deduction for mortgage insurance premiums HR4264 FHA Emergency Fiscal Solvency Act of 2012

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

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

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

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

PL111-203 Dodd Frank Wall Street Reform and Consumer Protection Act; specifically credit risk retention, systemic risk regulation, the Federal Insurance Office and derivatives regulation Administration Report to Congress: Reforming America's Housing Finance Market HR1222 GSE Subsidy Elimination Act HR1223 GSE Credit Risk and Equitable Treatment Act HR1224 GSE Portfolio Reduction Act HR1227 GSE Risk and Activities Limitation Act S693 GSE Bailout Elimination and Taxpayer Protection Act S712 Financial Takeover Repeal Act of 2011 HR 2441 Housing Trust Fund Elimination Act HR 463 Fannie Mae and Freddie Mac Transparency Act of 2011 HR 2436 Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 HR 2439 Removing GSEs Charter During Receivership Act of 2011 HR 2462 Cap the GSE Bailout Act of 2011 HR 2440 Market Transparency and Taxpayer Protection Act of 2011 FHA Reform FHA Loan Limits Fair Credit Reporting Act HR1963 Mortgage Finance Act of 2011 S1834 Residential Mortgage Privatization and Standardization Act of 2011 HR772 Extended Tax Relief for All Act of 2011 HR3630 Temporary Payroll Tax Cut Continuation Act of 2011 HR3743 Temporary Payroll Tax Cut Continuation Act of 2011

Client expense: $1,400,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 31 (The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011); H.R. 1221 (The Equity in Government Compensation Act); H.R. 1222 (The GSE Subsidy Elimination Act); H.R. 1223 (The GSE Credit Risk Equitable Treatment Act); H.R. 1223 (GSE Credit Risk Equitable Treatment Act of 2011); H.R. 1224 (The Portfolio Risk Reduction Act); H.R. 1225 (The GSE Debt Issuance Approval Act); H.R. 1226 (The GSE Mission Improvement Act); H.R. 1227 (The GSE Risk and Activities Limitation Act); H.R. 1859 (Housing Finance Reform Act of 2011); H.R. 2413 (Seconday Market Facility for Residential Mortgages Act); H.R. 2425 (Transparency and Security in Mortgage Registration Act; H.R. 2428 (GSE Legal Fee Reduction Act); H.R. 2436 (Fannie Mae and Freddie Mac Taxpayer Payback Act); H.R. 2439 (Removing GSEs Charters During Receivership Act); H.R. 2440 (Market Transparency and Taxapayer Protection Act); H.R. 2441 (Housing Trust Fund Elimination Act); H.R. 2446 (RESPA Home Warranty Clarification Act); H.R. 2509 (Preserving Consumers' Mortgage Origination Choices Act); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation; Housing Affordability and Stability Plan; Servicing compensation; Credit Rating Agency Reform.

Client expense: $1,230,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)